generated: '2026-07-20'
method: searched
source: https://docs.montonio.com/api/stargate/guides/refunds (Refund status descriptions)
notes: >-
  Montonio is a payments provider but does not publish a card-authorization
  decline-code table (card entry and 3DS are handled on Montonio-hosted fields).
  The closest published failure-reason registry is the Refund status +
  refundStatusDescription set: when a refund is retrying (PENDING) or has
  permanently failed (REJECTED), refundStatusDescription carries the reason.
  Captured here as the decline/failure-reason catalog. Order payment failures are
  surfaced via paymentStatus (see lifecycle) rather than granular decline codes.
envelope_field: refundStatusDescription
masked_to_buyer: true
decline_codes:
- code: INSUFFICIENT_FUNDS
  meaning: The settlement account lacks sufficient funds to process the refund.
  action: Fund the settlement account; the system retries automatically while PENDING.
- code: REFUND_EXCEEDS_ORDER_PAID_AMOUNT
  meaning: The refund amount exceeds the paid amount of the order.
  action: Lower the refund amount to at most the order's paid amount.
- code: DECLINED
  meaning: The payment provider declined the refund.
  action: Contact Montonio support; retry may not succeed.
- code: EXPIRED_OR_CANCELLED_CARD
  meaning: The customer's card has expired or been cancelled.
  action: Refund via an alternative method; card cannot receive the refund.
- code: LOST_OR_STOLEN_CARD
  meaning: The customer's card has been reported lost or stolen.
  action: Refund via an alternative method.
- code: EXPIRED
  meaning: The refund could not be processed after all retry attempts were exhausted.
  action: Re-initiate the refund or contact support.
- code: OTHER
  meaning: The refund failed for an unspecified reason.
  action: Check with Montonio support for details.