Declined payments — Payment acceptance via the YooMoney API

Declined payments

In the course of a payment process, something might go wrong. For example, the customer may not have enough money to make the payment, the card issuer may be unavailable, or YooMoney may suspect a fraud attempt. In this case, the payment will be canceled and the status will change to canceled.

In order to help you better understand what happened and how to proceed, the payment object sent to you by YooMoney will contain the details of the payment cancellation (cancellation_details). The information includes the initiator (cancellation_details.party) and the reason behind the cancellation (cancellation_details.reason). You can use this information to analyze and solve problems, display messages to the customer, or for any other purposes.

Initiators of a payment cancellation

Value	Description
merchant	Seller of goods and services (you)
yoo_money	YooMoney
payment_network	Any participant of the payment process except you and YooMoney (for example, the card issuer or another payment service)

Reasons behind a payment cancellation

Value	Description
3d_secure_failed	3-D Secure authentication failed. The buyer should repeat the payment, contact their bank for details, or use another payment method
call_issuer	Payment made with this payment method was declined for unknown reasons. The buyer should contact the organization that provides the payment method
canceled_by_merchant	Payment canceled via API during a two-stage payment
card_expired	The bank card has expired. При новой попытке оплаты пользователю следует использовать другое платежное средство
country_forbidden	Payments with a bank card issued in this country are not allowed. При новой попытке оплаты пользователю следует использовать другое платежное средство. You can set up the limits for payments made via bank card issued by foreign banks
deal_expired	For those who use Safe deal: deal's validity period is over. If you still want to receive the payment, create a new deal and process a new payment for it
expired_on_capture	A two-stage payment’s term for debiting the money has expired. If you still want to accept the payment, repeat the payment using a new idempotency key and debit the money after the payment is confirmed by the user
expired_on_confirmation	Payment term has expired: the user hasn’t confirmed the payment within the time frame designated for payment using the selected method. If the user still wants to pay, you’ll need to repeat the payment using a new idempotency key, and the user needs to confirm it
fraud_suspected	The payment was blocked due to suspected fraud. При новой попытке оплаты пользователю следует использовать другое платежное средство
general_decline	No detailed reason provided. The buyer should contact the initiator of the payment cancellation for more details
identification_required	Exceeded payment limit on the YooMoney wallet. The buyer should complete the identification process or select another payment method
insufficient_funds	Not enough money to make the payment. The buyer should add money to the account balance or select another payment method
internal_timeout	Technical difficulties on YooMoney’s side: couldn’t process the request within 30 seconds. Repeat the payment using a new idempotency key
invalid_card_number	Invalid card number. The buyer should repeat the payment and enter the correct card details
invalid_csc	The CVV2 code (CVC2, CID) was entered incorrectly. The buyer should repeat the payment and enter the correct card details
issuer_unavailable	The organization that provides the payment method is not available. The buyer should repeat the payment later or select another payment method
payment_method_limit_exceeded	Payment limit for this payment method or your store has been reached. The buyer should repeat the payment on the following day or select another payment method
payment_method_restricted	Transactions made with this payment method are forbidden (for example, the card is blocked due to loss or the wallet is blocked due to hacking). The buyer should contact the organization that provides the payment method
permission_revoked	Unable to make automatic debit: the user disabled recurring payments. If the user wants to make another payment, you will need to create it, and the user will have to confirm it.
unsupported_mobile_operator	Payment can't be made from a number provided by this mobile carrier. The buyer should use a different payment method when making a new attempt to pay. List of supported carriers

canceled status is final and unchangeable. To repeat a payment, you must create a new payment object with a new Idempotence key.

Example of the Payment object with the canceled status

JSON
{
  "id": "22979b7b-000f-5000-9000-1a603a795739",
  "status": "canceled",
  "paid": false,
  "amount": {
    "value": "2.00",
    "currency": "RUB"
  },
  "created_at": "2018-05-23T15:24:43.812Z",
  "metadata": {},
  "payment_method": {
    "type": "bank_card",
    "id": "22979b7b-000f-5000-9000-1a603a795739",
    "saved": false
  },
  "recipient": {
    "account_id": "100500",
    "gateway_id": "100700"
  },
  "refundable": false,
  "test": false,
  "cancellation_details": {
    "party": "payment_network",
    "reason": "payment_method_restricted"
  }
}

You can test payment cancellation using the test bank cards.