generated: '2026-07-19'
method: searched
source: https://doc.kredivo.com/
api: Kredivo Checkout API
summary: |
  Kredivo is a credit-authorization provider, so a checkout can fail for credit and fraud reasons
  rather than technical ones. Kredivo does not publish a card-style numeric decline-code reference —
  there is no equivalent of an ISO 8583 response code table. Instead, decline is expressed through
  two state enums returned on every transaction: `transaction_status` and `fraud_status`. This file
  catalogues those verbatim, plus the credit-limit surface a merchant can use to avoid a decline
  before it happens. Codes below are Kredivo's documented enum values, not invented identifiers.
envelope:
  fields:
  - field: transaction_status
    location: confirmTransaction and checkTransactionStatus responses
    description: Lifecycle state of the transaction.
  - field: fraud_status
    location: confirmTransaction and checkTransactionStatus responses
    description: Result of Kredivo's Fraud Detection System (FDS) evaluation.
  note: |
    A transaction is only fulfilable when `transaction_status` is `settlement`. Any other value —
    including `pending` — means the merchant must not release goods.
decline_codes:
- code: deny
  field: transaction_status
  meaning: The transaction has been denied by Kredivo.
  category: credit_or_risk
  terminal: true
  action: |
    Do not fulfil. Offer the shopper an alternative payment method. Kredivo does not publish a
    reason breakdown for a denial, so the merchant cannot distinguish insufficient limit from a risk
    decision from this field alone.
  masked_to_buyer: |
    Kredivo does not publish whether or how the denial reason is surfaced to the shopper in the
    Kredivo-hosted flow. Merchants should not attempt to explain the reason to the buyer.
- code: deny
  field: fraud_status
  meaning: Denied by the Fraud Detection System. The transaction automatically fails.
  category: fraud
  terminal: true
  action: |
    Do not fulfil. Do not retry the same order — an FDS denial is automatic and re-submitting the
    identical cart is unlikely to change the outcome. Escalate suspected false positives to
    merchops@finaccel.co rather than retrying.
  masked_to_buyer: |
    Fraud reasoning is deliberately not exposed. Never surface `fraud_status` or any fraud reasoning
    to the shopper.
- code: expire
  field: transaction_status
  meaning: The shopper did not complete the transaction, so it expired.
  category: abandonment
  terminal: true
  action: |
    Release any inventory hold and allow the shopper to start a fresh checkout with a new order_id.
    The expiry window defaults to 24 hours and is controllable per checkout via `expiration_time`.
- code: pending
  field: transaction_status
  meaning: The shopper has not completed the transaction.
  category: in_flight
  terminal: false
  action: |
    Not a decline — the flow is still open. Keep waiting for the push notification; poll
    checkTransactionStatus only as a fallback. Do not fulfil on pending.
- code: cancel
  field: transaction_status
  meaning: The transaction has been cancelled by the merchant.
  category: merchant_initiated
  terminal: true
  action: Reconcile against the merchant's own cancellation record. Not a Kredivo decision.
- code: settlement
  field: transaction_status
  meaning: The transaction is successful.
  category: approved
  terminal: true
  action: Fulfil the order. This is the only fulfilable state.
- code: accept
  field: fraud_status
  meaning: Approved by the Fraud Detection System.
  category: approved
  terminal: false
  action: |
    Necessary but not sufficient — check `transaction_status` is `settlement` before fulfilling.
pre_authorization_signals:
  description: |
    Rather than a decline reason after the fact, Kredivo exposes the shopper's remaining credit
    before checkout, which is the documented way to avoid an avoidable decline.
  operation: getUserCreditDetails
  path: /kredivo/v2/get_user_credit_details
  fields:
  - field: account_status
    type: integer
    note: Documented by example only (value 1); the value vocabulary is not published.
  - field: account_type
    type: integer
    note: Documented by example only (value 2); the value vocabulary is not published.
  - field: credit_limit_details[].remaining_user_limit
    type: string
    description: Remaining limit for the shopper, broken down per installment tenure.
  guidance: |
    For tokenized shoppers, call getUserCreditDetails before rendering Kredivo as an option and hide
    tenures whose `remaining_user_limit` is below the cart total. This converts a hard decline into a
    quiet non-offer.
gaps:
- No numeric decline-code table is published.
- A `deny` on transaction_status carries no reason code, so credit and risk declines are indistinguishable.
- The `account_status` and `account_type` integer vocabularies are undocumented.
- No published guidance on retry eligibility or soft-vs-hard decline classification.
cross_reference: errors/kredivo-error-codes.yml