Maya ONE App Decline Codes: Card / Payment Instrument Validation

Overview

Card or payment instrument validation errors occur when the details provided by the customer’s card or payment source fail the initial verification checks. These errors are usually triggered before authorization is sent to the issuer, meaning the transaction cannot proceed.

Note: The error or decline code is only prompted in the Maya Terminal, where the Maya ONE App is installed.

For ECR-integrated setup, Maya Terminal sends a decline response, with a command status R for Rejected, to the connected Electronic Cash Register (ECR).

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Card / Payment Instrument Validation

Invalid or Unknown Card BIN

Cause and Impact:

The card BIN (Bank Identification Number) is invalid, unregistered, or not recognized by the system. The transaction cannot proceed with an unknown or unsupported BIN.

Possible Maya ONE App Error:

Resolution:

Verify the card BIN and retry the transaction using a valid card.

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Invalid BIN and Merchant Configuration

Cause and Impact:

The combination of Client ID, Merchant ID, and BIN does not exist or is misconfigured. This may occur if the merchant is not properly set up for a specific BIN range.

Possible Maya ONE App Error:

Resolution:

Confirm BIN configuration with the payment processor or Maya Support.

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Invalid Funding Instrument

Cause and Impact:

The selected payment source (e.g., card, digital wallet, funding account) is invalid or not supported.

Possible Maya ONE App Error:

Resolution:

Validate the payment source or use a different funding method.

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Invalid Request Fields

Cause and Impact:

The request contains one or more invalid fields, parameters, or data formats. This can occur due to missing or malformed request payloads.

Possible Maya ONE App Error:

Resolution:

Check all request parameters and correct any invalid or missing fields before retrying.

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Message Format Error

Cause and Impact:

The message sent to the payment gateway is malformed or does not conform to the expected format. This may be due to incorrect message construction or issuer network issues.

Possible Maya ONE App Error:

Resolution:

Ensure the API request strictly follows the format and specifications defined in the integration guide.

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Invalid Card Number

Cause and Impact:

The entered card number is incorrect or does not pass validation checks.

Possible Maya ONE App Error:

Resolution:

Re-enter and verify the card number before retrying the transaction.

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Invalid Card Expiry Date

Cause and Impact:

The card expiry date entered is invalid or has already passed.

Possible Maya ONE App Error:

Resolution:

Ensure the card expiry date is correct and that the card has not expired.

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Invalid Card Number or Expiry Date

Cause and Impact:

Both the card number and expiry date are invalid or mismatched. The system cannot authenticate or authorize the card.

Possible Maya ONE App Error:

Resolution:

Ensure both the card number and expiry date are correctly entered before retrying.

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FAQs

Q: What is a card or payment instrument validation error?

A: A validation error occurs when the payment request fails preliminary checks before it reaches the issuer or card network. This means the issue is often related to incorrect input, configuration mismatch, or unsupported card types, not a decline from the bank.

Q: Why do I get “Invalid BIN” or “Unsupported Card Type” errors?

A: These usually indicate that the card’s BIN (first 6–8 digits) is not recognized or not enabled under your merchant configuration. Check your merchant’s BIN mapping and ensure the card type (e.g., Visa, Mastercard, JCB) is supported for your environment (sandbox or production).

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Next Steps

When encountering card or payment instrument validation errors:

1. Validate Input Fields
   • Check that the ECR sends complete and properly formatted data in the request payload.
2. Check BIN and Merchant Configuration
   • Confirm that the BIN used is supported in your merchant account.
   • Verify client ID and merchant ID configurations with the Maya Business Support team.
3. Review Error Messages
   • Capture request and response in the ECR for the failed transaction.
   • Look for corresponding PY0044, PY0117, or PY0120 codes that indicate invalid or unsupported card information.
4. Reattempt with Correct Details
   • Advise the customer to re-enter their card details carefully.
   • If the same error persists, suggest using a different card or payment method.
5. Escalate Configuration Issues
   • If all details are valid but the transaction continues to fail, contact Maya Business Support with:
     • Terminal Type (Sunmi / PAX / PAX Lite)
     • Merchant and Terminal IDs
     • Error Code and Message
     • Relevant request and response logs