Transaction Status/Errorcode

1. Transaction Status

When PayerMax accepts your payment request, you can get the payment status by querying the API or notification. You can formulate business processes by obtaining the transaction status. The payment transaction status is enumerated as follows:

Status	Description	Use Guidelines
SUCCESS	Transaction successful	/
FAILED	Transaction failed	After initiating a payment request, the order status will be "PENDING". When the order reaches the final state (SUCCESS/FAILED/BOUNCEBACK), PayerMax will send payment result through "Notification", You can also check the latest status of your order through "Transaction Inquiry". When the order status is "PENDING", please refer to the payment time limit for inquiry.
PENDING	Transaction processing	When a payment request fails, PayerMax will return an error code so that you can analyze the cause of the failure. Please refer to "Errorcode List" as below.
BOUNCEBACK	Transaction bounced back	The financial systems of some countries may return a successful status after receiving a payment application, but the result is not final. The following situations may exist: - The receiving account is frozen/incorrect - Bank, clearing network system problems or other unavailable scenarios Based on the above situation, PayerMax will change the status of the order from "SUCCESS" to "BOUNCEBACK" and return the payment to the merchant's corresponding account.

2. Errorcode

This page lists all possible error messages that may be returned when a payment request fails when making a payment through the PayerMax Payment Application API or Merchant Platform.

2.1 Errorcode Categories

• Server Request Limitation
• Merchant Configuration Verification
• Order Information Receiving
• Order Information Verification
• Order Transaction Inquiry

2.2 Error Example

PayerMax provides stable services to external APIs. If an exception occurs, you will be informed of the error message in the body of the http interface response, for example:

{
  "msg":"Invalid account or not active",
  "code":"INVALID_ACCOUNT"
}

Similarly, in asynchronous callbacks, failure information will also be responded to, for example:

{
  "appId":"4701b0a908a14312b3c8452b448256dw",
  "code":"APPLY_SUCCESS",
  "data":{
    "transactionUtcTime":"2024-08-29T12:50:38 +0000",
    "trade":{
      "amount":"12.00",
      "currency":"IDR"
    },
    "tradeNo":"20240829125038ED1229154469502120T05",
    "fundsFreezeTime":"2024-08-29T12:50:46 +0000",
    "outTradeNo":"Test1724935838415867",
    "payFinishTime":"2024-08-29T12:50:46 +0000",
    "destination":{
    "amount":"12.00",
      "taxCurrency":"IDR",
      "exchangeRate":"1",
      "fee":"0.00",
      "feeCurrency":"IDR",
      "currency":"IDR",
      "tax":"0.00"
    },
    "source":{
      "amount":"13.00",
      "taxCurrency":"IDR",
      "exchangeRate":"1",
      "fee":"1.00",
      "feeCurrency":"IDR",
      "currency":"IDR",
      "tax":"0.00"
    },
    "responseCode":"INVALID_ACCOUNT",
    "responseMsg":"Invalid account or not active",
    "status":"FAILD"
  },
  "keyVersion":"1",
  "merchantNo":"010113827355079",
  "msg":"Success.",
  "notifyTime":"2024-08-29T12:50:46.458Z",
  "notifyType":"PAYOUT"
}

2.3 Errorcode List

2.3.1 Server Request Limitation

When initiating a payment request, you may encounter the following error codes of the "Server Request Limitation" category:

Category	Errorcode	Error Message	Remark
Server Request Limitation	REQ_TIME_OVER_TIME	requestTime effective in two minutes	The request time deviates from the server by more than 2 minutes. Please check the "requestTime" and retry.
	ILLEGAL_IP_REQUEST	illegal ip request	The requesting IP needs to be added to the whitelist, please contact PayerMax.
	TOO_MANY_REQUEST	Exceed request limitation, please retry later	The interface concurrent limit has been triggered. Please try again later.

2.3.2 Merchant Configuration Verification

When initiating a payment request, you may encounter the following error codes of the "Merchant Configuration Verification" category:

Category	Subcategory	Errorcode	Error Message	Remark
Merchant Configuration Verification	Signature/Key Configuration Verification	MERCHANT_APP_INVALID	Signature key is not configured.	The secret key is not configured. Please configure the key as soon as possible.
		SIGN_VERIFY_FAILED	The signature verify failed.	Signature verification failed, please check the key/signature logic.
	Contract Availability Verification	CONTRACT_INVALID	Merchant has not signed the contract or payment methods.	The contract has not been signed or the payment method has not been activated. Please check the contract status.
		MERCHANT_INVALID	The merchant has been offline.	The merchant has been offline. If you have any questions, please contact PayerMax.

2.3.3 Order Information Receiving

When initiating a payment request, you may encounter the following error codes of the "Order Information Receiving" category:

Category	Subcategory	Errorcode	Error Message	Remark
Order Information Receiving	Request Parameter Verification	PARAMS_INVALID	The {field} is incorrect.	Please refer to the "Disbursement Application Template and Filling Specifications" to view the field rules.
		PARAMS_INVALID	The {field} is incorrect，you should fill {?}	Please refer to the "Disbursement Application Template and Filling Specifications" to view the field rules.
		ORDER_REPEAT	The order number repeat.	The order number is repeated, please modify it and retry
	Other Exceptions	SYSTEM_ERROR	System is busy, Please try again later.	System exception, please check the order status, if the order fails, please retry

2.3.4 Order Information Verification

When initiating a payment request, you may encounter the following error codes of the "Order Information Verification" category:

Category	Subcategory	Errorcode	Error Message	Remark
Order Information Verification	Payment Method Availability Verification	PAYMENT_METHOD_NOT_AVAILABLE	The payment method is not available, plz try other payment methods.	This payment method is not available, please try another payment method or contact PayerMax.
		UNSUPPORTED_ACCOUNT_TYPE	Unsupported account type	The account type is not supported, please modify it and retry.
		UNSUPPORTED_BANK	Bank account invalid or bank not supported	Unsupported bank or the account number is invalid. Please check and retry.
	Invalid Transaction Initiation Amount	AMOUNT_LIMIT_UNMATCHED	The single transfer amount does not meet the limit requirements	The transaction amount does not meet the limit requirement, please modify and retry.
		TRANSACTION_MINIMUM_LIMIT	The transaction amount is below the minimum limit.	The transaction amount is lower than the minimum limit, please modify and retry.
		TRANSACTION_MAXIMUM_LIMIT	The transaction amount exceeds the maximum limit.	The transaction amount exceeds the maximum limit. Please modify and retry.
		AMOUNT_NOT_ENOUGH	Insufficient balance	Insufficient balance, please make sure there is enough balance and retry.
		ZERO_DEDUCTION_AMOUNT	Too small transaction amount, the actual deduction amount is 0.	When the deduction currency is different from the payment currency, please ensure that the estimated deduction amount is greater than 0.
		ZERO_CREDITED_AMOUNT	Too small transaction amount, the actual payment amount is 0 after fees deduction.	Please ensure that the estimated payment amount is greater than the handling fee.
	Payee's Transaction Amount Limit	PAYEE_AMOUNT_EXCEED_LIMIT	Exceed user amount limit	The payee's amount limit has been reached. Please contact the payee for confirmation.
		PAYEE_DAILY_AMOUNT_EXCEED_LIMIT	Exceed payee daily cumulative amount limit.	The daily cumulative limit of the payee has been reached. Please contact the payee for confirmation.
		PAYEE_MONTHLY_AMOUNT_EXCEED_LIMIT	Exceed payee monthly cumulative amount limit.	The monthly cumulative limit of the payee has been reached. Please contact the payee for confirmation.
		PAYEE_CUMULATIVE_AMOUNT_EXCEED_LIMIT	Exceed payee cumulative amount limit.	The cumulative limit of the payee has been reached. Please contact the payee for confirmation.
	Payee's Transaction Limit	TRANSACTION_EXCEED_LIMIT	Transaction exceed limit, please retry later.	The cumulative transaction limit has been reached. Please contact the payee for confirmation.
		EXCEED_DAILY_TIME_LIMIT	The payee account has exceeded the daily transaction times limit	The daily transaction limit has been reached. Please contact the payee for confirmation.
		EXCEED_MONTHLY_TIME_LIMIT	The payee account has exceeded the monthly transaction times limit	The monthly transaction limit has been reached. Please contact the payee for confirmation.
	Payee Account Verification	ACCOUNT_BLOCKED	Account blocked or frozen	The account is closed or frozen, please contact the payee for confirmation.
		INVALID_ACCOUNT	Invalid account or not active	The receiving account is invalid or unavailable, please contact the payee for confirmation.
		INVALID_ACCOUNT_FORMAT	Invalid account format	The account format is incorrect, please modify and retry.
		NONEXISTENT_ACCOUNT	Account does not exist.	The account does not exist, please contact the payee for confirmation.
		ACCOUNT_NOT_ACTIVATED	Account not activated.	The account is not activated, please contact the payee for confirmation.
	Sub Merchant Verification	SUBMERCHANT_NOT_REGISTERED	The subMerchantNo is not registered	Unable to find the sub merchant information, please verify.
		SUBMERCHANT_REGISTRATION_FAILED	The subMerchantNo registration failed	The sub merchant information registration failed, please re-register and try again.
	Other Parameters Verification Of Payee	INVALID_BANK_BRANCH	Invalid bank branch	The bank branch number is invalid, please contact the payee for confirmation.
		INVALID_BANKCODE	Invalid bankCode	The bank code is invalid, please contact the payee for confirmation.
		INVALID_PAYEE_NAME	Invalid payee name	The name format is invalid, please modify and retry.
		INVALID_PHONE_NO	Invalid mobile number	Invalid mobile phone number, please contact the payee for confirmation.
		INVALID_ADDRESS	Invalid Address	Invalid address, please modify and retry.
		INVALID_EMAIL	Email address is incorrect.	Invalid email address, please contact the payee for confirmation.
		INVALID_IDENTIFICATION	Invalid identification	The payee's ID information is incorrect, please modify it and retry.
		INVALID_IFSC_CODE	Invalid IFSC Code	Invalid IFSC Code, please contact the payee for confirmation.
		INVALID_OPERATOR	Invalid operator	The mobile phone number cannot be matched to the operator. Please confirm the mobile phone number is correct and retry.
		PROVIDER_REFUSED_PROCESS	Provider refused to process, please recheck the payee information.	The payee information is incorrect, please modify and retry.
	Payment Expired	REDEEMCODE_EXPIRED	RedeemCode has expired	The payee fails to withdraw funds within the agreed time, please contact the payee and retry.
	Payment Element Matching Verification	MISMATCHED_BANK	Account does not match the bank.	The account number and bank do not match, please contact the payee for confirmation.
		MISMATCHED_IDENTIFICATION	The identification type does not match the document number.	The ID type and ID number do not match, please contact the payee for confirmation.
		MISMATCHED_ACCOUNT	Account type does not match the account number.	The account type and account number do not match, please contact the payee for confirmation.
		MISMATCHED_CURRENCY	The specified currency does not match the payee account.	The payee's account is unable to receive payments in the specified currency.
		MISMATCHED_NAME	Payee name does not match the payee account.	The name and account number do not match, please contact the payee for confirmation.
	Risk Control	RFI_BLACKLIST	Rejected due to failure of beneficiary to submit request information	Failure to submit RFI materials, the transaction is rejected.
		DECLINED_BY_RISK	Beneficiary bank rejected credit for a reason. Eg:Declined by risk	Rejected by risk control.
	Other Exceptions	PAYMENT_FAILED	Payment failed	Transaction failed, please contact PayerMax.
		PROVIDER_FAILED_PROCESS	Provider failed to process, please retry later	Transaction failed, please try again later.

2.3.5 Order Transaction Inquiry

After initiating a payment application, you can query the corresponding order information through "Transaction Inquiry", you may encounter the following error codes of the "Order Transaction Inquiry" category:

Category	Errorcode	Error Message	Remark
Order Transaction Inquiry	ORDER_NOT_EXIST	The order does not exist.	The order does not exist or it is being processed. Please check and retry.