When a payment fails, CPN provides a failure reason and a failure code. Depending on when the failure occurs, this information is returned in the synchronous (API) or asynchronous (webhook) response. This failure code can help you understand why the payment failed, and take appropriate steps to resolve the issue. The following sections outline the specific failure codes for failed payments.
These codes apply when the failure reason is OTHER.
| Failure code | Description |
|---|---|
PM00001 | General error |
These codes apply when the failure reason is TRAVEL_RULE_FAILED.
| Failure code | Description |
|---|---|
PM01000 | A general travel rule failure occurred during travel rule verification |
PM01001 | The originator address is missing data or doesn't meet required formatting or jurisdictional standards |
PM01002 | The beneficiary address is missing data or doesn't meet required formatting or jurisdictional standards |
PM01003 | The national ID or passport number provided for the originator is invalid, missing, or fails verification |
PM01004 | The national ID or passport number provided for the beneficiary is invalid, missing, or fails verification |
These codes apply when the failure reason is BANK_VERIFICATION_FAILED.
| Failure code | Description |
|---|---|
PM02000 | General bank detail validation failure |
PM02001 | The beneficiary bank account details (SWIFT BIC, account alias, account number) are invalid, malformed, or not recognized by the bank or network |
PM02002 | The beneficiary bank account details provided don't match the registered beneficiary in the bank's records |
PM02003 | The receiving bank isn't supported |
PM02004 | The specified account type (checking, savings) isn't supported |
These codes apply when the failure reason is RFI_VERIFICATION_FAILED.
| Failure code | Description |
|---|---|
PM03000 | General RFI verification failure |
PM03001 | Missing or improperly formatted RFI documents |
PM03002 | Conflicting data in the RFI submission |
PM03003 | Expired or outdated RFI documents |
PM03004 | Rejected after manual compliance review |
PM03005 | RFI response or review not completed in allowed time |
These codes apply when the failure reason is EXISTING_RFI_PENDING.
| Failure code | Description |
|---|---|
PM04000 | An RFI exists on the customer in a non-terminal state |
These codes apply when the failure reason is ONCHAIN_SETTLEMENT_FAILED.
| Failure code | Description |
|---|---|
PM05000 | General onchain settlement failure |
PM05001 | Received funds are invalid (wrong asset, insufficient amount, wrong blockchain) |
These codes apply when the failure reason is FIAT_SETTLEMENT_FAILED.
| Failure code | Description |
|---|---|
PM06000 | General fiat settlement or payout failure |
PM06001 | Rejected by the receiving bank |
PM06002 | Rejected by the sending bank |
PM06003 | Destination account invalid or unregistered |
PM06004 | Destination account blocked |
These codes apply when the failure reason is COMPLIANCE_CHECK_FAILED.
| Failure code | Description |
|---|---|
PM07000 | General compliance check failure |
PM07001 | Originator blocked or ineligible |
PM07002 | Beneficiary blocked or ineligible |
PM07003 | OFI compliance check failed. You may need to complete KYB before proceeding with further payments |
PM07004 | The beneficiary bank account failed compliance checks |
These codes apply when the failure reason is CANCELLED.
| Failure code | Description |
|---|---|
PM08000 | Funds were canceled by the originator |
These codes apply when the failure reason is PAYMENT_EXPIRED.
| Failure code | Description |
|---|---|
PM09000 | Crypto funds not received in the expected time window |
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