# Payments

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

### Core Payment Operations[​](#core-payment-operations "Direct link to 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[​](#customer-experience-features "Direct link to 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[​](#implementation-best-practices "Direct link to 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[​](#payment-status-codes "Direct link to 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[​](#success-codes "Direct link to 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  |
| E004 | Transaction expired                |

### Error Codes[​](#error-codes "Direct link to Error Codes")

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

#### Configuration Errors (E1xx)[​](#configuration-errors-e1xx "Direct link to 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)[​](#authentication-and-request-errors-e15x "Direct link to 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)[​](#transaction-processing-errors-e2xx "Direct link to 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                                            |
| E230 | Account or card is closed                                         |
| E231 | Transaction declined. PIN verification not available              |

#### 3D Secure Related Errors (E3xx)[​](#3d-secure-related-errors-e3xx "Direct link to 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    |
| E311 | Transaction failed during the authentication process |

#### Fraud Detection Errors (E4xx)[​](#fraud-detection-errors-e4xx "Direct link to Fraud Detection Errors (E4xx)")

These errors are related to fraud detection and risk rules:

| Code | Message                                                |
| ---- | ------------------------------------------------------ |
| E400 | Transaction declined. Please contact your issuing bank |
| E401 | Transaction declined. Please contact your issuing bank |

#### Card Related Errors (E5xx)[​](#card-related-errors-e5xx "Direct link to 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                                  |
| E519 | Invalid terminal                                                   |

#### Digital Wallet Errors (E6xx)[​](#digital-wallet-errors-e6xx "Direct link to 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)[​](#paypal-related-errors-e62x "Direct link to 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)[​](#bizum-related-errors-e64x-e65x "Direct link to 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         |
| E653 | The issuer does not support recurring payments with Bizum                  |

#### Click To Pay Related Errors (E68x)[​](#click-to-pay-related-errors-e68x "Direct link to 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)[​](#cofidis-related-errors-e7xx "Direct link to Cofidis-related Errors (E7xx)")

These errors are specific to Cofidis payments:

| Code | Message                                             |
| ---- | --------------------------------------------------- |
| E700 | Transaction declined during Cofidis payment process |

#### System Errors (E9xx)[​](#system-errors-e9xx "Direct link to System Errors (E9xx)")

These errors indicate system-level issues:

| Code | Message                                        |
| ---- | ---------------------------------------------- |
| E999 | Service internal error. Please contact support |

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## [📄️Create Payment](https://docs.monei.com/apis/rest/payments-create/.md)

[Creates a new payment with the specified parameters.](https://docs.monei.com/apis/rest/payments-create/.md)

## [📄️Get Payment](https://docs.monei.com/apis/rest/payments-get/.md)

[Retrieves the complete details of an existing payment by its unique ID.](https://docs.monei.com/apis/rest/payments-get/.md)

## [📄️Confirm Payment](https://docs.monei.com/apis/rest/payments-confirm/.md)

[Confirms a payment that was created without payment details. This endpoint can only be used with](https://docs.monei.com/apis/rest/payments-confirm/.md)

## [📄️Capture Payment](https://docs.monei.com/apis/rest/payments-capture/.md)

[Captures funds from a previously authorized payment. This endpoint can only be used with payments](https://docs.monei.com/apis/rest/payments-capture/.md)

## [📄️Cancel Payment](https://docs.monei.com/apis/rest/payments-cancel/.md)

[Releases reserved funds from a previously authorized payment. This endpoint can only](https://docs.monei.com/apis/rest/payments-cancel/.md)

## [📄️Refund Payment](https://docs.monei.com/apis/rest/payments-refund/.md)

[Returns funds from a completed payment back to the customer's original payment method.](https://docs.monei.com/apis/rest/payments-refund/.md)

## [📄️Recurring Payment](https://docs.monei.com/apis/rest/payments-recurring/.md)

[Creates a subsequent charge using the payment details from a previous transaction.](https://docs.monei.com/apis/rest/payments-recurring/.md)

## [📄️Send Payment Request](https://docs.monei.com/apis/rest/payments-send-request/.md)

[Sends a direct payment request to the customer's phone with smart channel selection.](https://docs.monei.com/apis/rest/payments-send-request/.md)

## [📄️Send Payment Link](https://docs.monei.com/apis/rest/payments-send-link/.md)

[Sends a payment link to the customer through their preferred communication channel.](https://docs.monei.com/apis/rest/payments-send-link/.md)

## [📄️Send Payment Receipt](https://docs.monei.com/apis/rest/payments-send-receipt/.md)

[Sends a payment receipt to the customer through their preferred communication channel.](https://docs.monei.com/apis/rest/payments-send-receipt/.md)