Failure Reason Reference

When are failure reasons returned?

The failure_reason field is populated in API responses when the status is FAILED.
For successful or processing states, this field will be null.

Bank Verification

Bank verification failure reasons are returned when a bank account or UPI ID verification fails. These appear in the bank account creation and verification endpoints.

Available Failure Reasons

Failure Reason	Description
`INVALID_IFSC`	The provided IFSC (Indian Financial System Code) is invalid or does not match the bank details
`INVALID_ACCOUNT_NUMBER`	The provided account number is invalid, incorrect, or does not exist
`ACCOUNT_TYPE_NRE`	The account type is NRE (Non-Resident External), which is not supported for transactions
`PENNY_DROP_FAILED`	The penny drop verification (micro-transaction verification) failed to confirm account ownership
`NAME_MISMATCH`	The account holder name does not match the name on the customer's KYC documents
`BANK_RISK_CHECK_FAILED`	The bank account failed internal risk checks and cannot be used for transactions

Customer Verification

Customer verification failure reasons are returned when customer KYC verification fails at different stages of the verification process. These appear in customer and KYC endpoint responses.

Available Failure Reasons

Failure Reason	Description
`DOCUMENT_VERIFICATION_FAILED`	The submitted KYC documents (ID proof, address proof) failed verification. This could be due to poor image quality, expired documents, or documents not matching the provided information
`TAX_VERIFICATION_FAILED`	The tax information (PAN, tax number) provided failed verification or does not match the customer's details
`SELFIE_VERIFICATION_FAILED`	The selfie image submitted failed verification. This could be due to poor image quality, face not clearly visible, or the selfie not matching the photo on the submitted KYC documents
`KYC_FAILED`	The additional information provided (such as occupation, source of funds, etc.) failed verification checks

Payin

Payin failure reasons are returned when a payin transaction fails during processing. These appear in payin endpoint responses when the payin status is FAILED.

Available Failure Reasons

Failure Reason	Description
`INCORRECT_UTR`	The UTR (Unique Transaction Reference) provided does not match the actual transaction
`INVALID_UTR`	The UTR (Unique Transaction Reference) provided is in an invalid format or structure
`PAYMENT_NOT_RECEIVED`	The payment was not received or could not be verified by the payment gateway or bank