SeekomPay/Vostro Error Codes

Code	Default Message	Explanation
2001	Account closed externally	The customer revoked authorization via their bank or payment provider (e.g., cancelled a card or revoked a mandate).
2002	User cancelled	The user actively cancelled the transaction (e.g., closed the window, clicked cancel).
2003	Transaction declined	The payment was rejected by the bank or payment provider—usually due to risk or fraud filters.
2004	Quota regulation	A transaction limit was exceeded—can be a daily, monthly, or per-transaction limit set by the payment provider or system.
2005	Transaction expired	The payment session timed out. The user took too long to complete the payment steps.
2006	Insufficient funds	The account/card doesn't have enough funds or credit available to complete the transaction.
2007	Incorrect payment info	The user entered invalid payment details—such as a wrong card number, expiry, or CVV.
2008	Invalid card	The card number doesn't pass validation or doesn't match recognized formats.
2009	Expired card	The card's expiration date has passed—no longer valid.
2010	Fraudulent card	The card has been flagged for suspected fraud—often by the card issuer.
2011	Unsupported card	The card type or brand (e.g., Diners Club, AMEX) is not supported by your payment processor.
2012	Transaction cancelled	The payment was cancelled—may be system-triggered or from an upstream system.
2013	Risk check block	The transaction failed internal or external risk checks (e.g., high-risk location).
2014	Pickup card	The card issuer has requested the card be retained (e.g., due to being reported stolen). Often physical POS related.
2015	Lost card	The card was reported lost and can no longer be used for payments.
2016	Stolen card	The card was reported stolen—transaction is blocked.
2017	IBAN invalid	The entered IBAN does not follow proper formatting or is not recognized.
2018	BIC invalid	The BIC (Bank Identifier Code) is not valid or doesn't exist.
2019	Customer data invalid	Required customer data (e.g., name, billing address) is incorrect, missing, or improperly formatted.
2020	CVV required	The payment was attempted without entering a required CVV code.
2021	3D-Secure Verification failed	The 3D Secure authentication (like Verified by Visa) failed—could be wrong password or failed challenge.
2022	3D-Secure Soft declined	The 3D Secure check did not outright fail, but the issuer chose not to authorize the transaction (possibly due to risk).