generated: '2026-07-18'
method: searched
source: https://docs.augustus.com/docs/payin/instant-bank-transfer/failure-reasons
docs: https://docs.augustus.com/docs/payin/instant-bank-transfer/failure-reasons
description: >-
  Open Banking payment failure classifications for the Ivy / Augustus pay-in
  flow. When an order_updated webhook fires with a failed or canceled status, the
  payload carries a two-level statusClassification { primary, secondary }. This
  is the Open-Banking analogue of card decline codes; it complements the
  API-level error registry in errors/augustus-error-codes.yml.
envelope_field: statusClassification
envelope_shape:
  primary: Broad failure category (one of three)
  secondary: Specific reason within the category
emitted_on: order_updated webhook event with failed or canceled status
primary_classifications:
- code: payment_authorization_failed
  meaning: Rejected during the authorization phase, typically due to user action or bank restrictions.
  scenarios:
  - User rejected or cancelled the payment in their bank app
  - User input the wrong credentials with their bank
  - User's account has restrictions preventing instant transfers
- code: payment_execution_failed
  meaning: Authorized but failed during execution, usually technical or account-related.
  scenarios:
  - Insufficient funds in the account
  - Account limits exceeded
  - International transfer blocked by the bank
  - Payment rejected by the bank
  - Bank system errors or maintenance
  - Payment not settled within the required timeframe
- code: payment_abandoned
  meaning: Started but never completed, often due to user inaction.
  scenarios:
  - User closed the browser/app during payment
  - Session timed out before completion
  - User cancelled the payment bank-side
secondary_classifications:
- code: wrong_credentials
  description: User entered incorrect bank credentials during authentication
- code: incorrect_2fa_response
  description: User provided incorrect two-factor authentication response
- code: pin_blocked
  description: User's PIN is blocked, e.g. after multiple failed attempts
- code: no_active_tan_methods_available
  description: No active TAN (Transaction Authentication Number) methods available
- code: timeout
  description: The payment request timed out due to slow response from bank systems
- code: connection_to_bank_failed
  description: The user's bank is not responding to the payment request
- code: bank_error
  description: The bank's system returned an error during processing
- code: bank_under_maintenance
  description: The user's bank is currently under maintenance
- code: insufficient_funds
  description: The user's account has insufficient funds for the payment
- code: account_limit_exceeded
  description: The payment exceeds the user's account transfer limits
- code: international_transfer_blocked
  description: International transfers are blocked for this account
- code: international_transfer_limit_exceeded
  description: The payment exceeds international transfer limits
- code: instant_transfers_not_enabled
  description: Instant transfers are not enabled for this account
- code: user_blocked
  description: The user's account is blocked or restricted
- code: unsupported_bank_account
  description: The bank account type is not supported for the requested transfer
- code: payment_rejected
  description: The payment was explicitly rejected by the bank
- code: cancelled
  description: The payment was cancelled by the user or bank
- code: payment_not_settled
  description: The payment was not settled within the required timeframe