FAILED. These failure reasons help you understand why a particular operation failed and what actions you may need to take.
When are failure reasons returned?
- The
failure_reasonfield is populated in API responses when the status isFAILED. - 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 isFAILED.
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 |