Error code 1000 (Approved): The transaction completed successfully, and no further action is required.
Error code 2000 (General Decline): The bank declined the request without a specific reason, so you should ask the customer for a different card.
Error code 2001 (Insufficient Funds): The account lacks the necessary balance or credit, meaning the customer needs to add funds.
Error code 2002 (Limit Exceeded): The transaction exceeds the daily or per-transaction limit, requiring the customer to contact their bank to raise the limits.
Error code 2003 (Card Expired): The card's "Valid Thru" date has passed, so the customer must use a current, unexpired card.
Error code 2004 (Invalid PIN): The 4-digit or 6-digit PIN entered is incorrect, and the user should retry with the correct PIN.
Error code 2005 (PIN Try Exceeded): There were too many incorrect PIN attempts causing the card to lock, so the customer must contact the bank to reset their PIN.
Error code 2006 (KYC missing): The Know Your Customer (KYC) information is missing and the check fails, requiring you to get the customer to complete the KYC process.
Error code 3001 (Invalid Card): The card number is invalid or fails the Luhn check, so you should verify and re-enter the correct card number.
Error code 3002 (Invalid CVV): The 3-digit security code on the back of the card is incorrect, and the user must re-enter the CVV/CVC.
Error code 3003 (Restricted Card): The card is restricted from this specific merchant type (e.g., gambling), and the customer should use a different account or payment method.
Error code 4001 (Lost/Stolen): The card has been flagged as missing by the holder, so you must not retry the transaction due to potential fraud.
Error code 4002 (Fraud Suspected): The bank's internal filters flagged the transaction as high-risk, meaning the customer must call their bank to verify the activity.
Error code 5001 (Processor Error): A technical timeout occurred between the payment gateway and the bank, so you should retry the transaction after a few minutes.
Error code 5002 (System Down): The issuing bank's authorization system is currently offline, and you should try the transaction again later.
Error code 5003 (Gateway Timeout): The merchant server took too long to respond, requiring you to check your internet or server connection.
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