generated: '2026-07-18'
method: searched
source:
- https://docs.cariqa.com/start-charging-errors-handling
- https://docs.cariqa.com/patterns-payments-outstanding
- openapi/cariqa-openapi-original.yml
note: >-
  Cariqa proxies card payments through Stripe (PSD2/SCA compliant). It does not
  expose raw Stripe card decline_codes; instead payment/authorization failures
  surface as Cariqa ErrorTypeEnum values on the start-charging and payment flows.
  This artifact captures that payment-decline surface. It complements — does not
  replace — errors/cariqa-problem-types.yml.
envelope_field: error.type
masked_to_buyer: false
decline_codes:
- code: pre_authorization_failed
  http_status: 402
  meaning: The customer's payment method could not be pre-authorized before starting charging (declined, invalid, or provider failure).
  action: If error.payment_intent_client_secret is present, complete SCA authentication and retry; otherwise ask the customer to choose another payment method.
- code: payment_error
  http_status: 402
  meaning: The customer has an outstanding unpaid charging session/payment that must be settled first.
  action: Redirect to the outstanding-payments flow; do not retry the start until the debt is resolved.
- code: payment_method_error
  http_status: 400
  meaning: The submitted payment method is invalid or could not be processed.
  action: Ask the customer to re-enter or replace the payment method.
- code: billing_data_required
  http_status: 409
  meaning: Billing data is missing, incomplete, or improperly configured, so payment/invoicing cannot proceed.
  action: Ask the customer to complete or correct billing details before retrying.
- code: temporary_locked
  http_status: 423
  meaning: The account or resource is temporarily locked.
  action: Wait and retry later; contact support if it persists.
sca:
  supported: true
  field: error.payment_intent_client_secret
  notes: A Stripe payment intent client secret is returned when additional card authentication (3DS/SCA) is required to complete pre-authorization.