Payments

The Payments API provides a comprehensive platform for processing transactions and managing the complete payment lifecycle.

Core Payment Operations

• Create and process payments with multiple payment methods
• Authorize payments and capture funds later
• Cancel authorized payments to release reserved funds
• Refund payments partially or in full
• Generate detailed receipts for completed payments

Customer Experience Features

• Send payment requests via WhatsApp, SMS, or Bizum
• Create and distribute payment links through various channels
• Generate permanent payment tokens for one-click checkout experiences
• Support recurring billing and subscription payments

Implementation Best Practices

• Create one payment per order or customer session for clear transaction records
• Use the unique payment ID for all subsequent operations on a payment
• Generate permanent payment tokens (with generatePaymentToken: true) for returning customers
• Implement webhook notifications to receive real-time payment status updates

Payment Status Codes

The MONEI API returns a statusCode attribute in the Payment response to indicate the outcome of your request. This helps you understand whether an operation was successful or why it failed.

Success Codes

Successful transactions return the following codes:

Code	Message
E000	Transaction approved
E001	Transaction pending processing
E002	Transaction pending authentication
E003	Transaction pending authorization

Error Codes

Error codes are grouped by category to help you quickly identify the type of issue:

Configuration Errors (E1xx)

These errors relate to account configuration issues:

Code	Message
E101	Error with payment processor configuration. Check this in your dashboard or contact MONEI for support
E102	Invalid or inactive MID. Please contact the acquiring entity
E103	Operation not allowed/configured for this merchant. Please contact the acquiring entity or MONEI for support
E104	Partial captures are not enabled in your account, please contact MONEI support
E105	MOTO Payment are not enabled in your account, please contact MONEI support

Authentication and Request Errors (E15x)

These errors indicate issues with your API request format or authentication:

Code	Message
E150	Invalid or malformed request. Please check the message format
E151	Missing or malformed signature/auth
E152	Error while decrypting request
E153	Pre-authorization is expired and cannot be canceled or captured
E154	The payment date cannot be less than the cancellation or capture date
E155	The cancellation date exceeded the date allowed for pre-authorized operations
E156	Unauthorized token

Transaction Processing Errors (E2xx)

These errors occur during payment processing:

Code	Message
E200	Transaction failed during payment processing
E201	Transaction declined by the card-issuing bank
E202	Transaction declined by the issuing bank
E203	Payment method not allowed
E204	Wrong or not allowed currency
E205	Incorrect reference / transaction does not exist
E206	Invalid payment method
E207	Transaction failed: process time exceeded
E208	Transaction is currently being processed
E209	Duplicated operation
E210	Wrong or not allowed payment amount
E211	Refund declined by processor
E212	Transaction has already been captured
E213	Transaction has already been canceled
E214	The amount to be captured cannot exceed the pre-authorized amount
E215	The transaction to be captured has not been pre-authorized yet
E216	The transaction to be canceled has not been pre-authorized yet
E217	Transaction denied by processor to avoid duplicated operations
E218	Error during payment request validation
E219	Refund declined due to exceeded amount
E220	Transaction has already been fully refunded
E221	Transaction declined due to insufficient funds
E222	The user has canceled the payment
E223	Waiting for the transaction to be completed
E224	No reason to decline
E225	Refund not allowed
E226	Transaction cannot be completed, violation of law
E227	Stop Payment Order
E228	Strong Customer Authentication required
E229	Expired payment method

3D Secure Related Errors (E3xx)

These errors are related to 3D Secure authentication:

Code	Message
E300	Transaction declined due to security restrictions
E301	3D Secure authentication failed
E302	Authentication process timed out. Please try again
E303	An error occurred during the 3D Secure process
E304	Invalid or malformed 3D Secure request
E305	Exemption not allowed
E306	Exemption error
E307	Fraud control error
E308	External MPI received wrong. Please check the data
E309	External MPI not enabled. Please contact support
E310	Transaction confirmation rejected by the merchant

Card Related Errors (E5xx)

These errors are specific to card payments:

Code	Message
E500	Transaction declined during card payment process
E501	Card rejected: invalid card number
E502	Card rejected: wrong expiration date
E503	Card rejected: wrong CVC/CVV2 number
E504	Card number not registered
E505	Card is expired
E506	Error during payment authorization. Please try again
E507	Cardholder has canceled the payment
E508	Transaction declined: AMEX cards not accepted by payment processor
E509	Card blocked temporarily or under suspicion of fraud
E510	Card does not allow pre-authorization operations
E511	CVC/CVV2 number is required
E512	Unsupported card type
E513	Transaction type not allowed for this type of card
E514	Transaction declined by card issuer
E515	Implausible card data
E516	Incorrect PIN
E517	Transaction not allowed for cardholder
E518	The amount exceeds the card limit

Digital Wallet Errors (E6xx)

These errors are related to digital wallet payments:

Code	Message
E600	Transaction declined during ApplePay/GooglePay payment process
E601	Incorrect ApplePay or GooglePay configuration

PayPal Related Errors (E62x)

These errors are specific to PayPal payments:

Code	Message
E620	Transaction declined during PayPal payment process
E621	Transaction declined during PayPal payment process: invalid currency

Bizum Related Errors (E64x-E65x)

These errors are specific to Bizum payments:

Code	Message
E640	Bizum transaction declined after three authentication attempts
E641	Bizum transaction declined due to failed authorization
E642	Bizum transaction declined due to insufficient funds
E643	Bizum transaction canceled: the user does not want to continue
E644	Bizum transaction rejected by destination bank
E645	Bizum transaction rejected by origin bank
E646	Bizum transaction rejected by processor
E647	Bizum transaction failed while connecting with processor. Please try again
E648	Bizum transaction failed, payee is not found
E649	Bizum transaction failed, payer is not found
E650	Bizum REST not implemented
E651	Bizum transaction declined due to failed authentication
E652	The customer has disabled Bizum, please use another payment method

Click To Pay Related Errors (E68x)

These errors are specific to ClickToPay payments:

Code	Message
E680	Transaction declined during ClickToPay payment process
E681	Incorrect ClickToPay configuration

Cofidis Related Errors (E7xx)

These errors are specific to Cofidis payments:

Code	Message
E700	Transaction declined during Cofidis payment process

System Errors (E9xx)

These errors indicate system-level issues:

Code	Message
E999	Service internal error. Please contact support

📄️ Create Payment

Creates a new payment with the specified parameters.

📄️ Get Payment

Retrieves the complete details of an existing payment by its unique ID.

📄️ Confirm Payment

Confirms a payment that was created without payment details. This endpoint can only be used with

📄️ Capture Payment

Captures funds from a previously authorized payment. This endpoint can only

📄️ Cancel Payment

Releases reserved funds from a previously authorized payment. This endpoint can only

📄️ Refund Payment

Returns funds from a completed payment back to the customer's original payment method.

📄️ Recurring Payment

Creates a subsequent charge using the payment details from a previous transaction.

📄️ Send Payment Request

Sends a direct payment request to the customer's phone with smart channel selection.

📄️ Send Payment Link

Sends a payment link to the customer through their preferred communication channel.

📄️ Send Payment Receipt

Sends a payment receipt to the customer through their preferred communication channel.