General information

Interaction is carried out via HTTPS using GET/POST/PUT methods. The API uses the REST architecture:

POST and PUT requests use JSON arguments;
GET requests work with query strings;
The API always returns a response in JSON format, regardless of the type of the request;

curl --request POST 'https://example.com/api/v2/invoices' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Idempotency-Key: 86cf125c' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json'

Content-type: application/json is transmitted in the headers of all requests and responses;
Authorization: Bearer {token}is transmitted in the headers of all requests;
Idempotency-Key: {key_value} - request id (idempotency key);

In case of an error, the response contains code and the reason (code, message), and the answer may also contain sections with additional details.

{
  "code": "validation_error",
  "message": "One or many validation errors. See 'errors' list.",
  "errors": [
    "Specify required MerchantId value."
  ]
}

In requests, mandatory parameters are highlighted in bold.

Request authentication

Requests must be transmitted via a secure protocol (https). Base service address: https://example.com

The following methods of request authentication are supported:

Bearer: The API token is issued when you create a separate API user (BOT) in the Merchant's Personal Account. Must add to the Authorization header of each request.

Data types

The following data types are used in the requests:

Strings (string)
Numbers with a fractional part (numeric)
Dates (date). ISO 8601 format is used for the information transmission in the requests.

A three-letter code according to ISO 4217 is used to encode currencies.

Working with lists

Loading lists (payments, refunds, etc.) is made page by page: if there is a pointer to the next page (cursor) in the response, you must request the next part of data. To do this, repeat the request and add a cursor value to the list of parameters.

Payments

Payment link

POST /api/v2/invoices

curl --request POST 'https://example.com/api/v2/invoices' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Idempotency-Key: 86cf125c' \
--header 'Content-Type: application/json' \
--data-raw '{
  "merchantId": "cf128151-127b-44ed-bde5-26c531cad20d",
  "invoice": {
    "description": "test payment",
    "params": {
      "BT_USR": "34"
    }
  },
  "amount": {
    "value": 10.50,
    "currency": "USD"
  },
  "paymentMethod": "BankCard"   
}'

Request:

Parameter	Type	Description
merchantId	string	Merchant identification
dualMode	bool	DMS payments flag (`false` by default)
testMode	bool	Test payments flag (`false` by default)
tokenization		Tokenization details
type	string	Token type (`cof` / `recurring`)
purpose	string	Subscription purpose
callbackUrl	string	Url to notify for token changes
invoice		Invoice details
description	string	Payments description
orderNo	string	Order number in the merchant system
expires	date	Invoice expiration date
params		Additional parameters
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code
paymentMethod	string	Payment method
protocol		Protocol parameters
returnUrl	string	User is redirected to this web page after the payment
callbackUrl	string	Url for payment notification
customer		Customer data
email	string	e-mail
phone	string	phone (E.164 formatted w/o + sign)
ip	string	IP address
account	string	Customer account

{
  "paymentId": "12769",
  "url": "https://example.com/cpay/a62beecb68c84778b2424294f635b370"  
}

Response:

Parameter	Type	Description
paymentId	string	Payment identification
url	string	Payment page url, where the user should be redirected for making a payment

Creating a payment

POST /api/v2/payments

curl --request POST 'https://example.com/api/v2/payments' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Idempotency-Key: 86cf125c' \
--header 'Content-Type: application/json' \
--data-raw '{
  "merchantId": "cf128151-127b-44ed-bde5-26c531cad20d",
  "invoice": {
    "description": "test payment",
    "params": {
      "BT_USR": "34"
    }
  },
  "amount": {
    "value": 10.50,
    "currency": "USD"
  },
  "paymentData": {
    "paymentMethod": "BankCard",        
    "card": {
      "pan": "4**********0540",
      "expiry": "10/22",
      "cvc": "***"
    }
  }
}'

Request:

Parameter	Type	Description
merchantId	string	Merchant identification
dualMode	bool	DMS payments flag (`false` by default)
testMode	bool	Test payments flag (`false` by default)
tokenization		Tokenization details
type	string	Token type (`cof` / `recurring`)
purpose	string	Subscription purpose
callbackUrl	string	Url to notify for token changes
invoice		Invoice details
description	string	Payments description
orderNo	string	Order number in the merchant system
expires	date	Invoice expiration date
params		Additional parameters
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code
paymentData		Payment data
paymentMethod	string	Payment method
card		Card details
pan	string	Card number
expiry	string	Expiry date
cvc	string	CVV/CVC2
dsrp
type	string	Type (`ApplePay` / `GooglePay`)
cryptogram	string	Cryptogram
eci	string	ECI
authorizationCode	string	Payment authorization code
account	string	Login/account
phone	string	Phone number
token		Payment token
id	string	Token identification
stickerId	string	Sticker id (cashlink payment)
protocol		Protocol parameters
returnUrl	string	User is redirected to this web page after the payment
callbackUrl	string	Url for payment notification
threeDSCompleteUrl	string	threeDSCompleteUrl using the scenario 3DSecure Challenge Flow
customer		Customer data
email	string	e-mail
phone	string	phone
ip	string	IP address
account	string	Customer account
device		User device details
language	string	Language
acceptHeader	string	`Accept` header definition
userAgent	string	`UserAgent` header definition
colorDepth	string	Color depth on bits
screenHeight	string	Screen height in pixels
screenWidth	string	Screen width in pixels
utcOffsetMinutes	string	UTC offset in minutes

Parameters for making a payment depend on the payment method chosen.

{
  "id": "12769",
  "created":"2021-09-01T08:20:00Z",
  "testMode": false,
  "status": "Confirmation",
  "resultCode": "Success",
  "merchantId": "96e809e9-8bce-40fd-86cb-d34db39b4668",
  "amount": {
    "value": 10.5000,
    "currency": "USD"
  },
  "invoice": {
    "description": "test payment",
    "params": {
      "BT_USR": "34"
    }
  },
  "paymentData": {
    "paymentMethod": "BankCard"
  },
  "confirmation": {
    "type": "ThreeDSv1",
    "acsUrl": "https://example.com/acs/pareq",
    "PAReq": "eJxVUtuO0...v4BOrji7g=="
  }
}

Response

Parameter	Type	Description
id	string	Payment identification
created	date	Payment date
completed	date	Finish date
testMode	bool	Test payments flag
status	string	Payment status
resultCode	string	Result code
message	string	Authorization result description
merchantId	string	Merchant identification
invoice		Invoice details
description	string	Payments description
orderNo	string	Order number in the merchant system
expires	date	Invoice expiration date
params		Additional parameters
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code
customer		Customer data
ip	string	IP address
paymentData		Payment data
paymentMethod	string	Payment method
paymentInstrumentTitle	string	Payment instrument title
agreement	string	Agreement reference code
cardInfo		Card BIN details
brand	string	Card brand name
issuer	string	Issuer bank name
country	string	Country ISO-code
type	string	Card type (credit, debit)
category	string	Card category (gold, classic)
confirmation		Payment confirmation method
type	string	Confirmation type
***		Confirmation parameters
paymentToken		Payment token data
id	string	Token ID
expires	date	Token expiration date
title	string	Description to be displayed

Additional confirmation (or several confirmations) may be required during the payment process.

Payment confirmation in the external system

Parameter	Type	Description
type	string	Confirmation type `External`
paymentUrl	string	Payment confirmation address to redirect the user
universalLink	bool	Payment link attribute
instruction	string	Payment instruction

Payment confirmation with a one-time code

Parameter	Type	Description
type	string	Confirmation type `SmsOtp`
maskedPhone	string	Telephone number that receives the confirmation code

3DS Method scenario

Parameter	Type	Description
type	string	Confirmation type `ThreeDSMethod`
methodUrl	string	ACS page address to pass the scenario
transactionId	string	Transaction authentication ID

3DS Challenge Flow scenario

Parameter	Type	Description
type	string	Confirmation type `ThreeDSChallenge`
acsUrl	string	ACS page address to pass the scenario
creq	string	Challenge request

3DS v1 scenario

Parameter	Type	Description
type	string	Confirmation type `ThreeDSv1`
acsUrl	string	ACS page address to pass the scenario
PAReq	string	Payer Authentication request

Payment completion

PUT /api/v2/payments/{id}/complete

curl --request PUT 'https://example.com/api/v2/payments/12769/complete' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Content-Type: application/json' \
--data-raw '{
  "PARes": "eJx7v3u...IxsAwA="  
}'

Request:

Parameter	Type	Description
id	string	Payment identification
code	string	Confirmation code
threeDSCompInd	string	3DS Method complete indicator
cres	string	Challenge response
PARes	string	Payer Authentication response

In response service returns the payment details.

Payment capture

PUT /api/v2/payments/{id}/confirm

curl --request PUT 'https://example.com/api/v2/payments/12769/confirm' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Content-Type: application/json' \
--data-raw '{
  "amount": {
    "value": 10.50,
    "currency": "USD"
  }
}'

Request:

Parameter	Type	Description
id	string	Payment identification
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code

If the request is successful, the service returns an empty response with HTTP status 200.

Payment cancellation

PUT /api/v2/payments/{id}/cancel

curl --request PUT 'https://example.com/api/v2/payments/12769/cancel' \
--header 'Authorization: Bearer QdvdwiXKFm='

If the request is successful, the service returns an empty response with HTTP status 200.

Getting payment details

GET /api/v2/payments/{id}

curl --request GET 'https://example.com/api/v2/payments/12769' \
--header 'Authorization: Bearer QdvdwiXKFm=' \

Request:

Parameter	Type	Description
id	string	Payment identification

The service returns payment details in the response.

List of payments

GET /api/v2/payments?merchantId={merchantId}&start={start}&end={end}

curl --request GET 'https://example.com/api/v2/payments?merchantId=cf128151-127b-44ed-bde5-26c531cad20d&start=2021-08-01T06:00:00Z&end=2021-08-01T06:30:00Z'  \
--header 'Authorization: Bearer QdvdwiXKFm=' \

Request:

Parameter	Type	Description
merchantId	string	Merchant identification
start	date	Period starts
end	date	Period ends

{
  "items": [
    {
      "id": "9755",
      "status": "Settled",
      "created":"2021-08-01T06:15:00Z",
      "completed":"2021-08-01T06:15:30Z",
      "merchantId": "96e809e9-8bce-40fd-86cb-d34db39b4668",
      "amount": {
        "value": 10.0000,
        "currency": "USD"
      },
      "invoice": {
        "description": "test"
      },
      "paymentData": {
        "paymentMethod": "BankCard",
        "paymentInstrumentTitle": "410000XXXXXXX0000"
      }
    }
  ]
}

Response:

Parameter	Type	Description
id	string	Payment identification
created	date	Payment date
completed	date	Finish date
status	string	Payment status
merchantId	string	Merchant identification
invoice		Invoice details
description	string	Payment description
orderNo	string	Order number in the merchant system
expires	date	Invoice expiration date
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code
paymentData		Payment data
paymentMethod	string	Payment method
paymentInstrumentTitle	string	Payment instrument title

Refunds

Creating a refund

POST /api/v2/refunds

curl --request POST 'https://example.com/api/v2/refunds' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Idempotency-Key: 86cf125c' \
--header 'Content-Type: application/json' \
--data-raw '{
  "paymentId": "12870",
  "amount": {
    "value": 5.5,
    "currency": "USD"
  }
}'

Request:

Parameter	Type	Description
paymentId	string	Payment identification
amount		Refund amount
value	decimal	Refund amount value
currency	string	Currency code

{
  "id": "1276",
  "created": "2021-10-01T06:23:02.273Z",
  "status": "Pending",
  "paymentId": "12870",
  "amount": {
    "value": 5.5,
    "currency": "USD"
  }
}

Response

Parameter	Type	Description
id	string	Refund identification
created	date	Refund date
paymentId	string	Payment identification
amount		Refund amount
value	decimal	Refund amount value
currency	string	Currency code
status	string	Refund status
resultCode	string	Result code

Refund details

GET /api/v2/refunds/{id}

curl --request GET 'https://example.com/api/v2/refunds/1276' \
--header 'Authorization: Bearer QdvdwiXKFm='

Request:

Parameter	Type	Description
id	string	Refund identification

The service returns the refund details in the response.

List of refunds

GET /api/v2/refunds?merchantId={merchantId}&start={start}&end={end}

curl --request GET 'https://example.com/api/v2/refunds?merchantId=cf128151-127b-44ed-bde5-26c531cad20d&start=2021-08-01T06:00:00Z&end=2021-08-01T06:30:00Z'  \
--header 'Authorization: Bearer QdvdwiXKFm=' \

Request:

Parameter	Type	Description
merchantId	string	Merchant identification
start	date	Period starts
end	date	Period ends

{
  "items": [
    {
      "id": "1276",
      "created": "2021-10-01T06:23:02.273Z",
      "status": "Pending",
      "paymentId": "12870",
      "amount": {
        "value": 5.5,
        "currency": "USD"
      }
    }
  ]
}

Response:

Parameter	Type	Description
id	string	Refund identification
created	date	Refund date
paymentId	string	Payment identification
amount		Refund amount
value	decimal	Refund amount value
currency	string	Currency code
status	string	Refund status

Payment tokens

Tokenization link

POST /api/v2/tokenization

curl --request POST 'https://example.com/api/v2/tokenization' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Idempotency-Key: 86cf125c' \
--header 'Content-Type: application/json' \
--data-raw '{
  "merchantId": "cf128151-127b-44ed-bde5-26c531cad20d",
  "type": "recurring",
  "purpose": "Test subscription"
  "paymentMethod": "bankcard",
  "customer": {
    "account": "47733000003"
  }   
}'

Request:

Parameter	Type	Description
merchantId	string	Merchant ID
testMode	bool	Test mode flag (`false` by default)
type	string	Token type (`recurring`)
purpose	string	Subscription description
paymentMethod	string	Payment method
callbackUrl	string	Token status notification url
returnUrl	string	Url for customer return page
customer		Customer data
account	string	Customer account in merchant's system
email	string	Customer e-mail

{
  "tokenId": "8cd9991b47ab42018f0bb56ca0fbdba0",
  "url": "https://example.com/cpay/tokenization/f3da06b158924a6c8da280a8b49c2996"  
}

Response:

Parameter	Type	Description
tokenId	string	Token ID
url	string	Tokenization url for customer to complete scenario

Create token request

POST /api/v2/paymenttokens

curl --request POST 'https://example.com/api/v2/paymenttokens' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Idempotency-Key: 86cf125c' \
--header 'Content-Type: application/json' \
--data-raw '{
  "merchantId": "cf128151-127b-44ed-bde5-26c531cad20d",
  "type": "recurring",
  "purpose": "Test subscription"
  "paymentData": {
    "paymentMethod": "sbp"
  },
  "customer": {
    "account": "47733000003"
  }   
}'

Request:

Parameter	Type	Description
merchantId	string	Merchant ID
testMode	bool	Test mode flag (`false` by default)
type	string	Token type (`recurring`)
purpose	string	Subscription description
paymentData		Payment data
paymentMethod	string	Payment method
card		Card details
pan	string	Card number
expiry	string	Expiry date
cvc	string	CVV/CVC2
protocol		Protocol parameters
returnUrl	string	Url for customer return page
callbackUrl	string	Token status notification url
threeDSCompleteUrl	string	threeDSCompleteUrl for 3DSecure Challenge Flow
customer		Customer data
account	string	Customer account in merchant's system
email	string	Customer e-mail
device		User device details
language	string	Language
acceptHeader	string	`Accept` header definition
userAgent	string	`UserAgent` header definition
colorDepth	string	Color depth on bits
screenHeight	string	Screen height in pixels
screenWidth	string	Screen width in pixels
utcOffsetMinutes	string	UTC offset in minutes

{
    "id": "8cd9991b47ab42018f0bb56ca0fbdba0",
    "status": "Created",
    "confirmation": {
        "type": "External",
        "universalLink": true,
        "paymentUrl": "https://example.com/cpay/mock/sbp/subscription/8cd9991b47ab42018f0bb56ca0fbdba0"
    }
}

Response

Parameter	Type	Description
id	string	Token identifier
status	string	Token status (`Active` / `Revoked` / `Declined`)
resultCode	string	Result code
title	string	Display name
expires	date	Token expire date
cardInfo		Card BIN details
brand	string	Card brand name
issuer	string	Issuer bank name
country	string	Country ISO-code
type	string	Card type (credit, debit)
category	string	Card category (gold, classic)
confirmation		Additional confirmation
type	string	Confirmation type
***		Confirmation parameters

Additional confirmation (or several confirmations) may be required during the process.

Confirmation in the external system

Parameter	Type	Description
type	string	Confirmation type `External`
paymentUrl	string	Confirmation address to redirect the user
universalLink	bool	Payment link attribute
instruction	string	Payment instruction

Token completion

PUT /api/v2/paymenttokens/{id}/complete

curl --request PUT 'https://example.com/api/v2/paymenttokens/8cd9991b47ab42018f0bb56ca0fbdba0/complete' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Content-Type: application/json' \
--data-raw '{
  "PARes": "eJx7v3u...IxsAwA="  
}'

Request:

Parameter	Type	Description
id	string	Token identifier
code	string	Confirmation code
threeDSCompInd	string	3DS Method complete indicator
cres	string	Challenge response
PARes	string	Payer Authentication response

In response service returns the token details.

Token details

GET /api/v2/paymenttokens/{id}

curl --request GET 'https://example.com/api/v2/paymenttokens/8cd9991b47ab42018f0bb56ca0fbdba0' \
--header 'Authorization: Bearer QdvdwiXKFm=' \

Request:

Parameter	Type	Description
id	string	Token identifier

In response service returns the token details.

Token revocation

PUT /api/v2/paymenttokens/{id}/revoke

curl --request PUT 'https://example.com/api/v2/paymenttokens/8cd9991b47ab42018f0bb56ca0fbdba0/revoke' \
--header 'Authorization: Bearer QdvdwiXKFm='

Request:

Parameter	Type	Description
id	string	Token identifier

HTTP 200 status shows the successful completion of the request.

Stickers

Sticker registration

POST /api/v2/stickers

curl --request POST 'https://example.com/api/v2/stickers' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Idempotency-Key: 86cf125c' \
--header 'Content-Type: application/json' \
--data-raw '{
  "merchantId": "cf128151-127b-44ed-bde5-26c531cad20d",
  "stickerType": "Sbp",
  "productCode": "product-1234",
  "paymentPurpose": "Payment for the product",
  "description": "Product #1234",
  "amount": {
    "value": 39.90,
    "currency": "RUB"
  }
}'

Request:

Parameter	Type	Description
merchantId	string	Merchant identification
stickerType	string	Sticker type (example, Sbp)
cashlink	bool	Cashlink mode
description	string	Sticker description
productCode	string	Product code
paymentPurpose	string	Payment purpose
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code
callbackUrl	string	Url for payment notification

{
  "id": "24cc565dea08",
  "stickerType": "Sbp",
  "productCode": "product-1234",
  "paymentPurpose": "Payment for the product",
  "description": "Product #1234",
  "amount": {
    "value": 39.90,
    "currency": "RUB"
  },
  "status": "Active",
  "payload": "https://qr.nspk.ru/AS****G0?type=01&sum=3990&cur=RUB&crc=ZZZZ"
}

Response

Parameter	Type	Description
id	string	Sticker identification
stickerType	string	Sticker type
cashlink	bool	Cashlink mode
productCode	string	Product code
paymentPurpose	string	Payment purpose
description	string	Sticker description
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code
status	string	Sticker status
payload	string	Content (payment link)

Sticker activation / deactivation

PUT /api/v2/stickers/{id}

curl --request PUT 'https://example.com/api/v2/stickers/24cc565dea08' \
--header 'Authorization: Bearer QdvdwiXKFm=' \
--header 'Content-Type: application/json' \
--data-raw '{
  "active": true
}'

Request:

Parameter	Type	Description
id	string	Sticker identification
active	bool	Sticker status

HTTP 200 status shows the successful completion of the request.

Getting sticker details

GET /api/v2/stickers/{id}

curl --request GET 'https://example.com/api/v2/stickers/24cc565dea08' \
--header 'Authorization: Bearer QdvdwiXKFm=' \

Request:

Parameter	Type	Description
id	string	Sticker identification

The service returns sticker details in the response.

List of stickers

GET /api/v2/stickers?merchantId={merchantId}

curl --request GET 'https://example.com/api/v2/stickers?merchantId=cf128151-127b-44ed-bde5-26c531cad20d'  \
--header 'Authorization: Bearer QdvdwiXKFm=' \

Request:

Parameter	Type	Description
merchantId	string	Merchant identification

{
  "items": [
    {
      "id": "24cc565dea08",
      "stickerType": "Sbp",
      "productCode": "product-1234",
      "paymentPurpose": "Payment for the product",
      "description": "Product #1234",
      "amount": {
        "value": 39.90,
        "currency": "RUB"
      },
      "status": "Active",
      "payload": "https://qr.nspk.ru/AS****G0?type=01&sum=3990&cur=RUB&crc=ZZZZ"
    }
  ]
}

Ответ:

Parameter	Type	Description
items	array	List of stickers

Notifications

Payment status

POST {callbackUrl}

curl --request POST 'https://merchant-site.com/payments/result' \
--header 'Content-Type: application/json' \
--data-raw '{
  "id": "12769",
  "created":"2021-09-01T08:20:00Z",
  "testMode": false,
  "status": "Settled",
  "merchantId": "96e809e9-8bce-40fd-86cb-d34db39b4668",
  "amount": {
    "value": 10.5000,
    "currency": "USD"
  },
  "invoice": {
    "description": "test payment",
    "params": {
      "BT_USR": "34"
    }
  },
  "paymentData": {
    "paymentMethod": "BankCard",
    "paymentInstrumentTitle": "410000XXXXXXX0000"
  }
}'

Request:

Parameter	Type	Description
id	string	Payment identification
created	date	Payment date
testMode	bool	Test payments flag
status	string	Payment status
merchantId	string	Merchant identification
invoice		Invoice details
description	string	Payments description
orderNo	string	Order number in the merchant system
expires	date	Invoice expiration date
params		Additional parameters
amount		Amount
value	decimal	Amount to pay
currency	string	Currency code
paymentData		Payment data
paymentMethod	string	Payment method
paymentInstrumentTitle	string	Payment instrument title

Payment token status

POST {callbackUrl}

curl --request POST 'https://merchant-site.com/tokens/result' \
--header 'Content-Type: application/json' \
--data-raw '{
  "id": "8cd9991b47ab42018f0bb56ca0fbdba0",
  "status": "Active",
  "title": "410000XXXXXX0001",
  "expires": "2022-10-31T23:59:59Z"
}'

Request:

Parameter	Type	Description
id	string	Token identifier
status	string	Token status (`Active` / `Revoked`)
title	string	Display name
expires	date	Token expire date

Payment methods

Alias	Name
bankcard	Bank card

Codes and dictionaries

Error codes

Code	Description
validation_error	Incorrect request format
not_authorized	Not enough user rights for the operation
idempotency_key_violation	Idempotency key violation
invalid_operation	Request is rejected
payment_token_revoked	Payment token is revoked
payment_token_blocked	Payment token is locked out

Payment status

Code	Description
Authorized	Payment is authorized
Settled	Payment is settled
Cancelled	Payment is cancelled
Rejected	Payment is rejected
Confirmation	Additional confirmation is required
Pending	Payment is pending

Refund status

Code	Description
Success	Refund is successful
Rejected	Refund is rejected
Pending	Refund is pending

Authorization code

Code	Description
TransactionDeclined	Transaction authorization is declined
IssuerUnavailable	Issuer is not available
RejectedByFraud	Rejected by fraud monitoring
InvalidAmount	Invalid amount
InvalidAccount	Incorrect card number / card does not exist
BlockedAccount	Card is blocked (lost)
OperationNotAllowed	Operation is not allowed
InsufficientFunds	Insufficient funds
ExpiredAccount	Expired card date / incorrect card date
PaymentLimitExceeded	Payment limit exceeded
PaymentCountExceeded	Payment count exceeded
CardNotEnrolled	Card is not enrolled for 3DS
ThreeDSecureFailed	3DS authentication is not passed
CancelledByUser	User cancelled the payment
PaymentExpired	Payment expired