generated: '2026-07-21'
method: searched
source: https://sandbox.vnpayment.vn/apis/docs/thanh-toan-pay/pay.html
docs: https://sandbox.vnpayment.vn/apis/docs/bang-ma-loi/
note: >-
  VNPAY payment-gateway decline / response codes, returned on the vnp_ResponseCode
  field of the Return URL and IPN callback. Descriptions are English translations
  of the Vietnamese reference table published in the VNPAY developer docs. Values
  captured verbatim from the published table.
envelope_field: vnp_ResponseCode
decline_codes:
- code: '00'
  meaning: Giao dịch thành công — Transaction successful.
  action: Treat as paid after checksum + amount validation.
  buyer_masked: false
- code: '07'
  meaning: >-
    Trừ tiền thành công. Giao dịch bị nghi ngờ (liên quan tới lừa đảo, giao dịch
    bất thường) — Funds deducted but transaction flagged as suspected fraud/abnormal.
  action: Hold for manual review before fulfilment.
  buyer_masked: false
- code: '09'
  meaning: >-
    Card/account is not registered for InternetBanking at the issuing bank.
  action: Ask customer to enable Internet Banking or use another method.
  buyer_masked: false
- code: '10'
  meaning: Customer failed card/account authentication more than 3 times.
  action: Customer must retry the transaction.
  buyer_masked: false
- code: '11'
  meaning: Payment waiting time expired; transaction timed out.
  action: Customer must create a new transaction.
  buyer_masked: false
- code: '12'
  meaning: Thẻ/Tài khoản của khách hàng bị khóa — Customer card/account is locked.
  action: Customer must contact their bank.
  buyer_masked: false
- code: '13'
  meaning: >-
    Nhập sai mật khẩu xác thực giao dịch (OTP) — Incorrect transaction OTP entered.
  action: Customer must retry with the correct OTP.
  buyer_masked: false
- code: '24'
  meaning: Khách hàng hủy giao dịch — Customer cancelled the transaction.
  action: Offer retry.
  buyer_masked: false
- code: '51'
  meaning: Tài khoản không đủ số dư — Insufficient account balance.
  action: Customer must use another account/method.
  buyer_masked: false
- code: '65'
  meaning: Tài khoản vượt quá hạn mức giao dịch trong ngày — Daily transaction limit exceeded.
  action: Customer must retry another day or raise limit.
  buyer_masked: false
- code: '75'
  meaning: Ngân hàng thanh toán đang bảo trì — Paying bank is under maintenance.
  action: Customer must retry later.
  buyer_masked: false
- code: '79'
  meaning: >-
    Nhập sai mật khẩu thanh toán quá số lần quy định — Payment password entered
    incorrectly too many times.
  action: Customer must retry the transaction.
  buyer_masked: false
- code: '99'
  meaning: Các lỗi khác — Other unspecified errors.
  action: Retry or contact support.
  buyer_masked: false