generated: '2026-07-24'
method: searched
source: https://developer.spreedly.com/docs/normalized-values
notes: >-
  Spreedly normalizes gateway/processor decline responses across all supported
  gateways into two Spreedly-managed fields returned on the transaction response:
  gateway_response.payment_outcome_data.failure_reason (WHY it failed) and
  gateway_response.payment_outcome_data.network_advice_code (what to DO next).
  The raw gateway values are preserved under raw_payment_outcome_data. These are
  the cross-gateway decline taxonomy; a given gateway maps its own codes into
  these normalized values. failure_reason has an error_type of hard or soft.
envelope:
  failure_reason: gateway_response.payment_outcome_data.failure_reason
  network_advice_code: gateway_response.payment_outcome_data.network_advice_code
  raw: gateway_response.raw_payment_outcome_data (processor_decline_code + raw merchant advice code)
failure_reasons:
  - code: do_not_honor
  - code: insufficient_funds
  - code: expired_card
  - code: incorrect_cvv
  - code: incorrect_zip
  - code: incorrect_address
  - code: invalid_card
  - code: invalid_number
  - code: invalid_account
  - code: invalid_amount
  - code: invalid_cvc
  - code: invalid_merchant
  - code: invalid_merchant_configuration
  - code: card_limit_exceeded
  - code: insufficient_amount
  - code: amount_not_supported
  - code: currency_not_supported
  - code: closed_card
  - code: restricted_card
  - code: lost_stolen_card
  - code: fraud_suspected
  - code: refused_due_to_sanctions
  - code: call_issuer
  - code: contact_bank
  - code: bank_error
  - code: issuer_unavailable
  - code: issuer_not_available
  - code: processing_error
  - code: processor_declined
  - code: authentication_required
  - code: cardholder_authentication_required
  - code: security_code_error
  - code: transaction_not_allowed
  - code: not_supported
  - code: token_not_supported
  - code: duplicate_transaction
  - code: cc_rejected_duplicated_payment
  - code: cc_rejected_bad_filled_date
  - code: non_reloadable_prepaid_card
  - code: single_use_virtual_card_number
  - code: multi_use_virtual_card_number
  - code: request_authorization_card
network_advice_codes:
  - code: stop_recurring_payment
  - code: do_not_try_again
  - code: new_account_information_available
  - code: retry_after_1_hour
  - code: retry_after_10_days
  - code: retry_after_24_hours
  - code: retry_after_2_days
  - code: retry_after_4_days
  - code: retry_after_6_days
  - code: retry_after_8_days
error_types:
  - hard
  - soft