generated: '2026-07-20'
method: searched
source: https://docs.neonpay.com/docs/paymentfailed
note: Neon is merchant of record; payment failure reasons are surfaced on the payment.failed webhook 'data.code'
  field. status may be INVALID_PAYMENT_METHOD.
envelope_field: data.code (payment.failed webhook)
decline_codes:
- code: expired_card
  meaning: The card has expired.
  action: Ask buyer for a different card.
- code: incorrect_cvc
  meaning: The CVC/CVV was incorrect.
  action: Re-enter CVC or use another card.
- code: incorrect_number
  meaning: The card number is incorrect.
  action: Re-enter the card number.
- code: incorrect_zip
  meaning: The postal/ZIP code did not match.
  action: Re-enter billing postal code.
- code: invalid_exp_month
  meaning: The expiration month is invalid.
  action: Re-enter expiration.
- code: invalid_exp_year
  meaning: The expiration year is invalid.
  action: Re-enter expiration.
- code: invalid_number
  meaning: The card number is invalid.
  action: Re-enter the card number.
- code: unexpected_country
  meaning: Card country did not match the checkout country.
  action: Use a card from the expected country; see country-mismatches docs.
- code: insufficient_funds
  meaning: The card had insufficient funds.
  action: Buyer should use a different payment method.
- code: declined
  meaning: The payment was declined by the issuer.
  action: Buyer should contact issuer or use another method.
- code: failed
  meaning: The payment failed for an unspecified reason.
  action: Retry or use another payment method.