OPay Error Codes

When a payment fails, it can be useful to retrieve the error code returned by the customer’s bank, the payment network or the payment processor. Such error codes can be used to determine the potential cause of the failure, and give valuable insights to your customer success teams.


OPay uses HTTP response status codes to indicate the success or failure of your requests. If your request fails, OPay returns an error using the appropriate status code. In this page, you will find a complete list of all potential error codes with an explanation of the specific reason of error occurred.

Error codes are normalized by OPay to provide a convenient and general error mapping. OPay aims to return all the available information, while acquirer banks sometimes simply return generic error codes instead of detailed error information.

Codes are splitted in two distinct categories: OPay Error Codes and Acquirer Bank Error Codes. OPay Error Codes, represent possible errors that are returned by OPay APIs and/or SDKs, while Acquirer Bank Error Codes represent transaction possible errors returned by processing bank.

OPay Error Codes

Represent possible errors that are returned by OPay APIs and/or SDKs

09 time out
90 system failure
91 refund error, please try again later
96 search order error, please try again later
97 create checkout session failed
98 Invalid request header with requestId
99 request channel parameters are not valid

Acquirer Bank Error Codes

Possible transaction errors returned by acquirer bank

05 Do not honour
13 Invalid Amount
51 Insufficient funds
54 Expired card
57 Transaction not permitted to cardholder
62 Restricted card

Keep Customers Informed

As you can see, there are different reasons for failed transactions. However, you should know what is the meaning of them to explain it accurately to your customers. When customers notice the problem with their card payments they act differently, so some of them try a different payment method, while others contact you directly. Note that there are also customers that drop their purchase or select a different online store (24 percent of online customers).

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James Jones
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