generated: '2026-07-17'
method: derived
source: >-
  developers.doku.com SNAP integration guides + Bank Indonesia SNAP responseCode
  convention (7-digit = HTTPStatus[3] + ServiceCode[2] + CaseCode[2]).
  Complements errors/doku-problem-types.yml.
note: >-
  DOKU is a Bank Indonesia SNAP acquirer/gateway, not a card scheme, so
  transaction rejections surface as SNAP responseCode/responseMessage rather
  than ISO 8583 card decline codes. Virtual Account uses service code 27 and its
  case codes are fixed by the BI SNAP standard (listed below verbatim). For
  e-Wallet/Direct Debit, QRIS, and payout the human-readable rejection reasons
  are documented, but the exact per-product service-code digit is provider/
  channel specific and is left as a pattern rather than asserted, to avoid
  fabricating a precise numeric value. Consult the live SNAP reference for the
  authoritative per-channel code table.
envelope_field: responseCode
masked_to_buyer: false
decline_codes:
  # Virtual Account (service code 27) — canonical BI SNAP codes
  - code: '2002700'
    product: virtual-account
    meaning: Successful
    action: Payment accepted / VA operation succeeded.
  - code: '4012700'
    product: virtual-account
    meaning: Unauthorized (invalid signature or access token)
    action: Re-mint the SNAP Bearer token and re-sign the request.
  - code: '4042712'
    product: virtual-account
    meaning: Invalid bill / Virtual Account not found
    action: Verify the VA number is active and unpaid.
  - code: '4042714'
    product: virtual-account
    meaning: Bill / Virtual Account already paid
    action: Do not re-collect; treat as settled.
  - code: '4042719'
    product: virtual-account
    meaning: Invalid amount (does not match the registered bill)
    action: Send the exact totalAmount registered on the VA.
  - code: '4092700'
    product: virtual-account
    meaning: Conflict / duplicate (idempotency)
    action: Reuse of X-EXTERNAL-ID with a different payload; use a unique X-EXTERNAL-ID.
  # e-Wallet / Direct Debit — documented rejection reasons (exact code channel-specific)
  - code_pattern: '403..54..'
    product: e-wallet
    meaning: Insufficient balance
    action: Buyer must top up; offer an alternate method.
  - code_pattern: '404..54..'
    product: e-wallet
    meaning: Account binding not found / customer not bound
    action: Re-run registration-account-binding before host-to-host debit.
  - code_pattern: '403..54..'
    product: e-wallet
    meaning: Transaction declined by issuer / user cancelled
    action: Ask the buyer to reauthorize.
  # QRIS — documented rejection reasons
  - code_pattern: '404....'
    product: qris
    meaning: QR not found / invalid
    action: Regenerate the QRIS via generateQrisMpm.
  - code_pattern: '403....'
    product: qris
    meaning: QRIS payment expired
    action: Regenerate the QR with a new validityPeriod.
  # Payout / Kirim — documented rejection reasons
  - code_pattern: '404....'
    product: payout
    meaning: Beneficiary account inquiry failed / account not found
    action: Verify beneficiaryAccountNo and bank code via payoutAccountInquiry first.
  - code_pattern: '403....'
    product: payout
    meaning: Insufficient DOKU balance for disbursement
    action: Check payoutBalanceInquiry and top up before payoutTransferBank.