generated: '2026-08-30'
method: searched
source: https://www.airwallex.com/docs/payments/troubleshooting/error-response-codes
note: >-
  Airwallex is a card acquirer, and it handles declines by PASSING THE SCHEME'S OWN RESPONSE CODE
  THROUGH rather than by publishing its own decline-code table. There is therefore no Airwallex
  decline-code registry to capture; what exists is the API-level decline envelope below, plus the
  raw ISO 8583 issuer response code the network returned. That is a real and useful finding for an
  agent: it must read the passthrough field, not look up an Airwallex code. Recorded as an honest
  absence of a proprietary table rather than filled in with a generic ISO 8583 list Airwallex does
  not publish.
envelope_field: code
decline_codes:
  - code: issuer_declined
    meaning: The card issuer declined this transaction.
    action: >-
      Read provider_original_response_code (and details.original_response_code) for the scheme's own
      reason; do not retry blindly.
    masked_to_buyer: true
    passthrough: true
  - code: provider_declined
    meaning: The payment provider (non-card local method) declined this transaction.
    action: Refer to the original response code returned by the provider.
    masked_to_buyer: true
    passthrough: true
  - code: risk_declined
    meaning: Airwallex risk engine blocked the transaction.
    action: Do not retry; the decision is Airwallex-side.
    masked_to_buyer: true
    passthrough: false
  - code: authentication_declined
    meaning: The cardholder failed 3DS authentication.
    action: Re-attempt authentication or offer another payment method.
    masked_to_buyer: false
    passthrough: false
  - code: no_3ds_liability_shift
    meaning: >-
      Declined because liability shift could not be achieved due to a network outage or issuer
      unavailability.
    action: Retry later or accept the transaction without liability shift where policy allows.
    masked_to_buyer: true
    passthrough: false
  - code: 3ds_not_supported
    meaning: 3DS is required for this transaction but the card does not support it.
    action: Offer another payment method.
    masked_to_buyer: false
    passthrough: false
  - code: issuer_unavailable
    meaning: The card issuer is temporarily unavailable.
    action: Retry later with backoff.
    masked_to_buyer: true
    passthrough: false
  - code: provider_unavailable
    meaning: The payment provider is temporarily unavailable.
    action: Retry later with backoff.
    masked_to_buyer: true
    passthrough: false
  - code: rejected_by_routing_rules
    meaning: The merchant's own routing rules rejected the transaction.
    action: Merchant configuration change; contact the Airwallex account manager.
    masked_to_buyer: true
    passthrough: false
  - code: suspended_from_online_payments
    meaning: The operating account has been suspended from processing online payments.
    action: Account-level block; contact the Airwallex account manager.
    masked_to_buyer: true
    passthrough: false
passthrough_contract:
  fields:
    provider_original_response_code: raw scheme response code at the top level of the error body
    details.original_response_code: the same code inside details
    details.card_brand: e.g. mastercard
    details.card_type: e.g. DEBIT
    details.is_commercial: boolean
    details.issuing_bank_name: issuing bank name
  example:
    code: issuer_declined
    message: The card issuer declined this transaction. Please refer to the original response code.
    provider_original_response_code: '05'
    details:
      card_brand: mastercard
      card_type: DEBIT
      is_commercial: false
      original_response_code: '05'
  note: >-
    "05" is the ISO 8583 "do not honour" response code, returned verbatim by the issuer. Airwallex
    does not restate scheme codes in its own docs, so no scheme code table is copied here.
issuing_side:
  note: >-
    On the Issuing (card-issuing) side of the business Airwallex publishes its own decline reasons
    per transaction event in the Issuing error-code and transaction-lifecycle references, which are
    a separate surface from acquiring declines above.
  references:
    - https://www.airwallex.com/docs/issuing/troubleshooting/error-codes
    - https://www.airwallex.com/docs/issuing/transactions/transaction-lifecycle/transaction-scenarios
complements: errors/airwallex-problem-types.yml