If a card transaction is declined by the gateway, Nexio returns an HTTP status code and a Nexio error code.
Additionally, the payment is not processed.

The system shapes the response as shown in the example below.

{
  "error": 435,
  "message": "Declined for CVV failure",
  "gatewayResponse": {
    "gatewayName": "yourGateway",
    "refNum": "3113320943",
    "status": "pending"
  },
  "merchantId": "100100"
}

Common gateway declines

See the table below for a list of the most common gateway declines.