# PAYMENT

5 codes.

| Code | What happened | Why | What to do | Retryable |
| --- | --- | --- | --- | --- |
| `PAYMENT/AUTH_DECLINED` | The payment was declined. | The card issuer or payment provider refused the authorization. | Try another card or payment method. | yes |
| `PAYMENT/CAPTURE_FAILED` | The payment capture failed but the authorization still stands. | The authorization is held, but the provider did not complete the capture. | Retry the capture. | yes |
| `PAYMENT/SETTLEMENT_FAILED` | The payment is captured and safe, but settlement did not reconcile. | The money is captured; only the settlement record did not reconcile yet. | Nothing to do — reconciliation resolves it. | yes |
| `PAYMENT/REFUND_FAILED` | The refund could not be processed. | The payment provider did not complete the refund. | Try again, or refund another way. | yes |
| `PAYMENT/READER_UNAVAILABLE` | The card reader is busy or offline. | The reader is handling another payment or has lost its connection. | Free it or reconnect it, then try again. | yes |