Error Codes

Error Response Format

API errors are returned in the following format.

{
  "error": {
    "type": "invalid_request_error",
    "code": "validation_error",
    "message": "Error description",
    "request_id": "req_abc123xyz789"
  }
}

type

string

Error type (authentication_error, invalid_request_error, payment_error, api_error)

code

string

Error code (see below)

message

string

Error description

request_id

string

Request ID (use when contacting support)

param

string

Parameter that caused the error (for validation errors)

details

array

Detailed error information (for validation errors)

Authentication Errors

Code	HTTP Status	Description
`unauthorized`	401	Authorization header is invalid or missing
`merchant_not_active`	403	Merchant account is deactivated

Validation Errors

Code	HTTP Status	Description
`validation_error`	400	Invalid request parameters. Details are in the `details` field
`invalid_amount`	400	Invalid amount
`amount_below_minimum`	400	Amount is below minimum
`amount_above_maximum`	400	Amount exceeds maximum
`unsupported_currency`	400	Unsupported currency

Payment Errors

Code	HTTP Status	Description
`payment_failed`	400	Payment processing failed
`invalid_status`	400	Operation cannot be performed in current status
`invalid_state`	400	Invalid transaction state
`invalid_transaction`	400	Transaction is invalid
`not_supported`	400	This operation is not supported
`capture_failed`	400	Capture failed
`refund_failed`	400	Refund failed
`card_limit_exceeded`	400	Monthly card spending limit exceeded
`email_limit_exceeded`	400	Monthly email spending limit exceeded
`recurring_not_supported`	400	Connector does not support recurring payments

Token Errors

Code	HTTP Status	Description
`tokenization_failed`	400	Failed to tokenize card data
`payment_token_expired`	400	Token has expired. Create a new token. (30 minute limit)
`payment_token_already_used`	400	Token has already been used for a payment

Webhook Payment Error Codes

When a payment fails, the payment.failed webhook includes detailed error information in a unified format that is consistent across all payment providers.

Error Structure

{
  "event": "payment.failed",
  "error": {
    "code": "card_declined",
    "category": "soft_decline",
    "message": "Your card was declined",
    "recommended_action": "use_different_card"
  }
}

Error Categories

Category	Description	Recommended Action
`authentication`	3DS authentication required	Redirect customer to complete authentication
`soft_decline`	Temporary failure	Retry or use a different card
`hard_decline`	Permanent failure	Do not retry with the same card
`gateway_error`	Payment gateway issue	Retry later
`validation`	API request validation failure (no webhook fired)	Fix the request and retry

Unified Error Codes

Code	Category	Description	Recommended Action
`authentication_required`	authentication	3DS authentication required	`contact_customer`
`authentication_failed`	soft_decline	3DS authentication failed	`retry`
`authentication_timeout`	gateway_error	3DS authentication timed out	`retry`
`card_declined`	soft_decline	Card was declined	`use_different_card`
`insufficient_funds`	soft_decline	Insufficient funds	`use_different_card`
`expired_card`	hard_decline	Card has expired	`use_different_card`
`invalid_card`	hard_decline	Invalid card number	`use_different_card`
`invalid_cvc`	soft_decline	Invalid security code	`retry`
`invalid_expiry`	soft_decline	Invalid expiration date	`retry`
`fraud_detected`	hard_decline	Suspected fraud	`none`
`stolen_card`	hard_decline	Stolen card	`none`
`lost_card`	hard_decline	Lost card	`none`
`processing_error`	gateway_error	Processing error	`retry`
`gateway_timeout`	gateway_error	Gateway timeout	`retry`
`gateway_unavailable`	gateway_error	Gateway unavailable	`retry`
`payment_failed`	soft_decline	Payment failed (generic)	`use_different_card`
`three_ds_required`	authentication	3DS authentication required but not supported for this card	`use_different_card`
`refund_failed`	gateway_error	Refund operation failed	`contact_customer`
`void_failed`	gateway_error	Void operation failed	`contact_customer`
`status_check_failed`	gateway_error	Unable to check payment status	`retry`
`unknown_error`	soft_decline	Unknown error	`use_different_card`

Validation errors (API request failures — visible in 400 response, no webhook fired):

Code	Description
`unsupported_currency`	Currency not supported by this payment method
`invalid_amount`	Amount is not a valid positive integer
`invalid_parameter_combination`	Request parameters have an invalid combination
`payment_method_not_found`	Saved payment method not found
`customer_not_found`	Customer not found
`missing_card`	Card data is required but missing
`not_supported`	Operation not supported by this connector

Handling Example

// Webhook handler
app.post('/webhooks/zafapay', (req, res) => {
  const { event, error } = req.body;

  if (event === 'payment.failed' && error) {
    switch (error.category) {
      case 'authentication':
        // Send email to customer with authentication link
        notifyCustomerForAuth(error.message);
        break;
      case 'soft_decline':
        // Can retry or ask for different card
        if (error.recommended_action === 'retry') {
          scheduleRetry();
        } else {
          requestNewCard();
        }
        break;
      case 'hard_decline':
        // Do not retry, notify customer
        notifyCustomerCardInvalid(error.message);
        break;
      case 'gateway_error':
        // Temporary issue, schedule retry
        scheduleRetryWithBackoff();
        break;
    }
  }

  res.json({ received: true });
});

Error details from the original payment provider (PSP-specific codes) are not exposed in API responses or webhooks. Use the unified code and category fields to determine the appropriate action.

Refund Errors

Code	HTTP Status	Description
`invalid_amount`	400	Refund amount exceeds payment amount
`invalid_status`	400	Not in refundable status (only `completed` can be refunded)

Resource Errors

Code	HTTP Status	Description
`not_found`	404	Specified resource not found
`flow_not_found`	404	Payment flow not found
`no_default_flow`	404	Default payment flow not configured
`flow_not_active`	400	Payment flow is disabled
`connector_config_not_found`	404	Connector configuration not found

Idempotency Errors

Code	HTTP Status	Description
`idempotency_key_mismatch`	400	Different request sent with same idempotency key
`idempotency_key_in_use`	409	Idempotency key is currently being processed

System Errors

Code	HTTP Status	Description
`internal_error`	500	Internal error occurred. Please contact support

Error Handling Best Practices

Check HTTP Status Code

4xx: Client error (request needs modification)
5xx: Server error (retriable)

Branch Logic by Error Code

Use error.code to implement error-type-specific handling

Retry Strategy

For 5xx errors or idempotency_key_in_use, retry with exponential backoff

Sample Code

Node.js

async function createPayment(data) {
  const response = await fetch('https://api.sandbox.zafapay.com/v1/payments', {
    method: 'POST',
    headers: {
      'Authorization': 'Bearer YOUR_ACCESS_TOKEN',
      'Content-Type': 'application/json',
      'Idempotency-Key': generateIdempotencyKey()
    },
    body: JSON.stringify(data)
  });

  if (!response.ok) {
    const { error } = await response.json();

    // Log request_id for support inquiries
    console.error(`API Error [${error.request_id}]:`, error.code, error.message);

    switch (error.type) {
      case 'authentication_error':
        // Token refresh required
        throw new AuthError(error.message);

      case 'invalid_request_error':
        // Check request parameters
        if (error.details) {
          console.error('Validation errors:', error.details);
        }
        throw new ValidationError(error.message);

      case 'payment_error':
        // Payment failed (try another payment method)
        throw new PaymentError(error.message);

      case 'api_error':
        // Retriable
        throw new RetryableError(error.message);

      default:
        throw new Error(error.message);
    }
  }

  return response.json();
}

Overview

Payments

Customers

Tokens

Webhook

Error Response Format

Authentication Errors

Validation Errors

Payment Errors

Token Errors

Webhook Payment Error Codes

Error Structure

Error Categories

Unified Error Codes

Handling Example

Refund Errors

Resource Errors

Idempotency Errors

System Errors

Error Handling Best Practices

Sample Code

Overview

Payments

Customers

Tokens

Webhook

Documentation Index

​Error Response Format

​Authentication Errors

​Validation Errors

​Payment Errors

​Token Errors

​Webhook Payment Error Codes

​Error Structure

​Error Categories

​Unified Error Codes

​Handling Example

​Refund Errors

​Resource Errors

​Idempotency Errors

​System Errors

​Error Handling Best Practices

​Sample Code

Error Response Format

Authentication Errors

Validation Errors

Payment Errors

Token Errors

Webhook Payment Error Codes

Error Structure

Error Categories

Unified Error Codes

Handling Example

Refund Errors

Resource Errors

Idempotency Errors

System Errors

Error Handling Best Practices

Sample Code