Why Do I Get an Error When Adding a Payment Method? Troubleshooting

Check the exact error code, then retry within 60 seconds. This quick step clears transient processor hiccups and prevents duplicate charges on your account. If the error repeats, note the code, the time, and the platform you used, then contact support with those details to speed up resolution.

Common causes include mismatched card data, expired cards, or country restrictions on your подписку. Verify the card number, expiry, CVC, and billing address in your merchant portal. If a 3D Secure flow is required, complete it to authorize the payment. For custom flows, confirm the redirect URL is correct and that the domain is accessible; you can even check the whois record to confirm domain ownership if necessary.

For developers and operators: inspect integration logs and API responses, with signature verifications. Look at the timeline of events around the attempt, and verify that your oracle-based payment module is up to date. Ensure the request contains a valid signature and that the payment method is allowed for the target region.

Check domain and DNS: the redirect must point to the correct endpoint, and the DNS should resolve within your hosting environment. If you employ a hosted checkout, confirm the merchant account settings and any attribution data associated with the transaction. If you encounter a persistent error, gather user feedback and prepare a concise incident report for support.

When you contact support, provide your account ID, the exact error text, the reproduction steps, and a timestamp from the timeline. Include any attribution data, device and browser details, and a sample signature. In your message, mention подписку and завершения, and, if you suspect a problematic payment method, отключите it and re-add after a short interval. Submit feedback through the support portal to help diagnose the issue faster.

Validate Required Fields and Data Types in the Payment Method Payload

Verify required fields and data types in the payment method payload before submission. Build a strict schema and enforce checks on both client and server to prevent invalid data from reaching processing. Validate in real time so users see errors instantly, reducing время and frustration. If a user edits a field, ensure updating validations run; otherwise a missing or mismatched field can lie undetected until processing, creating проблемы later. Surface checks (проверки) directly in the form and in the console so you stay trusted and ready to act.

Define required fields and expected types for the payload. For example, the processor expects: cards[number] as string; cards[exp_month] as integer 1-12; cards[exp_year] as four-digit integer; cards[cvc] as string of digits with length 3-4; billing_details[name], billing_details[email], billing_details[address][line1], billing_details[address][city], billing_details[address][postal_code]. If a field is missing or the type is wrong, trigger invalid and surface a clear message in the form. Also ensure the payload matches the associated schema used by your third-party processor. If a field doesnt exist, present a helpful note in the console and in the UI; such checks reduce проблемы before submitting and keep your self-serve flow smooth for users.

Validation guidelines

Implement a Luhn check for cards; verify exp date is not in the past; validate CVC length; enforce string types for numbers that include formatting; use switch logic to handle different card brands; ensure optional fields are marked as such and validated if present. Validate the payload structure and data types before you accept it, and note any invalid entries with a helpful message. This approach reduces problems and helps users move forward until the issue is resolved. Also keep a record noted for what failed to learn and refine your rules.

Even if client-side checks pass, perform server-side validation to prevent spoofing and to enforce your rules. Re-check all required fields (проверки) and data types on update; if a field is edited, re-run checks (edit) and do not update until the payload passes. The switch between accepted and declined states should be driven by validated data; if the card doesnt exist in your system or the processor returns a decline, you can show a direct, helpful message. Logs in the console and noted errors help you learn and adjust the validator. For teams using udrp flows, align the checks with that process to avoid surprises for users and support staff.

Practical steps for implementation

Implement both client-side and server-side validation. Use a JSON schema or a validation library to align with your processor’s expectations. Steps: define the schema, wire form checks to catch invalid types early, perform server-side re-validation on payload arrival, surface helpful notices in the UI for self-serve troubleshooting and in the console for developers, test with common scenarios and example payloads, switch environments as needed, and monitor results. Include tests for cards, such as different brands, invalid numbers, expired dates, and incorrect CVC. Such a disciplined approach reduces problems and keeps your workflow smooth for trusted operations and less downtime with время to spare. Learn from each failure to improve your checks and keep users in control.

Example payload for validation: cards: { number: ‘4242424242424242’, exp_month: 12, exp_year: 2026, cvc: ‘123’ }, billing_details: { name: ‘Alex Doe’, address: { line1: ‘100 Market St’, city: ‘Aurora’, postal_code: ‘12345’ } }. If this payload passes all checks, processing proceeds; if not, the form highlights invalid fields and the console notes the exact problems (проблемы) for quick correction. This direct feedback helps you learn and refine your rules, and keeps you from switching to a deferred update path that could cause a decline later.

Verify Card Information: Number, Expiration Date, CVC, and Luhn Check

Directly validate the card number, expiration date, and CVC in real time before the form is saved. Run a Luhn check on the number and reject any input that fails; this reduces failed purchases for every customer and keeps data saved and secure. Samples from trusted issuers can guide formatting and error messages. Thanks for helping users complete payments smoothly.

Card Number and Luhn Validation

Under the hood, strip spaces, dashes, and dots from the number, then apply the Luhn algorithm. If the check fails, show a clear error under the field and prompt the user to re-enter (edit). Use the API parameter number to align with your backend and avoid confusion for the owner or the app. This approach protects the data, prevents unwanted charges, and helps customers move from saved cards to Pays with confidence. The steps ниже outline the checks to provide помощь to users and keep checkout reliable for every transaction.

Expiration Date, CVC, and Data Handling

Validate the expiration: month must be 01–12 and the year must be in the future. Support formats per your parameter (MM/YY or MM/YYYY); if invalid, show a concise message and require correction before proceeding with the transaction. For CVC, require 3 digits for most cards and 4 digits for AmEx; if the value is missing or incorrect, prompt for re-entry (edit). Do not log or store данные sensitive parts of the card; store only tokens and restrict access. Keep the customer’s information under trusted controls and confirm that the process for the next purchases is done correctly, ensuring a smooth flow for покупкi and access to the app’s features.

Ensure Billing Address and Cardholder Details Align with the Payment Gateway

Update the billing address and cardholder name to match gateway records before submitting a payment request. Maintain current information in your system to prevent declines and reduce the number of failed requests.

When the gateway sees mismatched data, it can return a code that blocks the charge and leaves logs retained for review. Keep a clear path for retries without exposing customers to confusing errors or lengthy пересылки через службу поддержки. If висит проблема, если you see a mismatch, fix it in the source data before you attempt another request and avoid unnecessary копирования полей.

Follow these actionable steps to bring billing data in line with the payment gateway and minimize edge-case errors in subscriptions and single payments alike.

• Confirm current billing information in your CRM matches the gateway’s required fields, including number, street address, city, state/region, postal code, and country code. If differences exist, edit the record so the gateway receives a single, consistent set of data.
• Verify the cardholder name exactly as it appears on the card. Even a minor discrepancy can trigger an issuing or gateway mismatch that leads to a failed request. If needed, use the full legal name and avoid initials.
• Map address fields to the gateway’s format. Some gateways require a two-letter country code and a fixed postal code format. Ensure the number of digits and separators align with the gateway’s general terms and validation rules.
• Test with samples and current data in a sandbox environment. Record the inputs, including the request payload and the response code, so you can reproduce the scenario if a real transaction fails.
• When exchanging information with the gateway, attach a clear screenshot of the request and response. Screenshots help your team verify that the right fields were sent and can speed up legal or support inquiries if a dispute arises.
• For subscriptions, ensure the billing address used for renewal remains consistent across retries. Inconsistencies can cause back-to-back failed charges and affect retained customer data or failed access to services.
• If the gateway reports a mismatch, use the edit option to correct the record and then re-submit instead of creating a new customer profile. Otherwise, duplicate data can complicate subscriptions and legal compliance checks.
• Review related requests and terms on the gateway side. Ensure that the issued code, error text, and any policy notes are understood so you can respond with the appropriate updates to the customer and the back-end system.
• When things still dont work after edits, check the issuing bank’s guidelines. Sometimes the bank blocks a transaction for address verification reasons, and you may need to ask the customer to verify the card details or try an alternative payment method.

Keeping the billing address and cardholder details aligned reduces friction and improves the success rate of current transactions, especially for подписки and recurring payments. Maintain clear information flow, document the steps you took with samples, and remain compliant with legal and information-retention requirements so that future requests stay smooth and traceable.

Check Payment Method Object Structure for API and Schema Compliance

Verify the Payment Method object against the API schema before sending a request. Align top-level fields (id, type, status) and the nested method details (card, bank_account, or wallet) with the latest spec. Use a filter to compare the payload against the example samples; if a mismatch occurs, the header and message in the API response will clearly indicate the issue and help you prevent a faulty transaction, thats why a strict schema check matters.

Based on the timeline of updates, ensure your payload matches the current samples and supports merchants and developers workflows. когда поле payment_method_type отсутствует, the message will indicate a required field. возникли concerns, обратитесь к документации, чтобы определить источник несоответствия. Если возникли concerns, используйте всплывающие validation messages and the associated image fields to keep подписки processing stable. When clicking validate in your testing environment, verify that the response header matches the expected structure and that samples and example align. This approach reduces время to diagnose issues and speeds up updates.

API and schema validation steps

Check required fields, data types, and nesting: id, type, status, and the details object. Ensure the image field, if present, uses the correct image URL or hash. Validate that the metadata map uses only allowed keys and string values. Validate time-related fields for proper ISO8601 format. Use a consistent order to make diffs easy and set a baseline header as to the content-type and API version. This helps prevent transaction failures and keeps teams of merchants and developers aligned.

Practical examples and samples

Refer to the official samples to confirm structure. A typical example includes header, message, and the associated fields. When clicking through the sample payloads in the docs, the image reference and transaction object should match exactly. If you see a mismatch, apply the filter to isolate the field and adjust accordingly, then re-run. These steps reduce confusion for merchants and help teams learn quickly, while events in the timeline show when updates went live and what changed in each release. If возникли concerns about compatibility with a third-party platform, validating with whois data is not required here.

Interpret Common Error Codes and Server Responses for Troubleshooting

Start by reading the exact error code and the header in the server response, then map it to the right action. Note the number, the message, and any detail fields; this info guides the next steps and helps you diagnose quickly. In normal flows, the code aligns with a known category, making it easier to respond. If you see a code that reads 400, 401, 403, 404, 429, or 5xx, follow the category-specific checklist.

400 Bad Request means the payload failed validation. Remove fields that are not required and test with a minimal payload. Validate the expiration and validity of the card data (карта) you submit, and ensure the dataset contains only accepted keys. If you test in a local environment, keep the payload consistent with the provided API schema, and verify the number of digits on the card entry matches the supported formats.

401 Unauthorized or 403 Forbidden indicates access issues. Confirm the access token or API key, and refresh credentials if needed. Check the profile details used for the request and confirm there are permissions on the domain or partner domain you access. If the profile is missing required scopes, you will see access denied until it is granted.

404 Not Found는 잘못된 엔드포인트 또는 리소스를 가리킵니다. 기본 URL, 사용 중인 도메인, 헤더의 경로를 확인하십시오. 여러 도메인을 유지 관리하는 경우 올바른 도메인을 방문하여 엔드포인트가 존재하는지 확인하십시오. API 루트에 대한 간단한 테스트 요청으로 연결 가능성을 확인할 수 있습니다.

429 Too Many Requests는 비율 제한을 나타냅니다. 남은 할당량과 재설정 시간을 보여주는 헤더 값을 준수하고 재시도 간에 백오프를 구현하십시오. 이것이 반복적으로 나타나면 인내심을 갖고 재시도 전략을 조정하여 파트너 및 서비스와 함께 시간 창에 걸쳐 요청을 분산시킬 수 있습니다. 항상 제공된 제한 사항에 맞춰 트래픽을 조절하십시오.

5xx 오류(500, 503)는 서버에 문제가 있음을 의미합니다. 엔드포인트를 과도하게 호출하지 마십시오. 지수 백오프를 사용하여 재시도하고 로그를 유지하십시오. 결제 게이트웨이 및 백엔드 파트너를 포함하여 의존하는 서비스의 상태를 확인하십시오. 문제가 지속되면 지원팀이나 공급업체의 사고 채널에 문의하여 중단 및 예상 완료 시간을 확인하십시오. 프로필 및 로컬 환경에 대해 지금 재시도할지 나중에 재시도할지 결정하십시오.

응답 본문에는 코드, 메시지, 세부 정보와 같은 구조화된 정보와 원인을 설명하는 선택적 필드가 포함되는 경우가 많습니다. 이 헤더 및 본문 데이터는 만료 변경, 누락된 필드 또는 잘못 구성된 도메인 등 문제가 발생하는 위치를 추적하는 데 도움이 됩니다. 테스트 엔드포인트에 제공된 페이로드가 라이브 흐름과 다른 경우에도 실패 이유를 격리하고 대상 수정으로 진행할 수 있습니다.

빠르게 적용할 수 있는 실용적인 점검 사항: 요청 헤더를 확인하고, 필수 필드 수를 확인하고, 카드 테스트에 필요한 것 외에 불필요한 데이터를 제거하고, 프로필과 도메인이 환경(로컬 또는 프로덕션)과 일치하는지 확인합니다. 테스트 모드에서 재현할 수 있다면, 유효성을 확인하고 프로덕션 변경을 커밋하기 전에 지원되는 기능을 확인하면서 영향을 최소화할 수 있습니다.

문제가 지속될 때 재현, 디버그 및 에스컬레이션하는 단계

정리된 캐시로 단일 브라우저 세션에서 문제를 격리합니다. 한 사이트에서 문제(проблему)를 재현할 수 있다면 스크린샷을 캡처하고 정확한 요청 페이로드를 기록합니다. 선택한(выбранного) 결제 방법을 사용하는 사이트에서 재현하고 카드 추가 중 오류(ошибка)가 발생하는 위치를 기록합니다. 브라우저 버전 간에 시도한 변형은 문제가 로컬인지 시스템적인지 식별하는 데 도움이 되며 다양한 조건에서 결과를 비교할 수 있습니다.

재현 단계

1) 카드 추가를 지원하는 사이트(사이트)를 방문하여 테스트 계정으로 로그인하고 카드 추가 흐름으로 이동합니다. 2) 필수 필드를 작성하고 선택한 결제 방법을 선택한 다음 추가를 클릭합니다. 3) 결과를 관찰합니다. 오류 메시지(오류)가 나타나면 정확한 문구와 코드를 기록합니다. 4) 스크린샷을 캡처하고 실패한 호출에 대한 네트워크 요청 및 응답 값(value)을 기록합니다. 5) 이전 확장이 활성화되지 않은 상태로 동일한 브라우저에서 반복한 다음 두 번째 사이트를 시도하여 일관성(관련 검사)을 테스트합니다. 6) 문제가 지속되면 검토(프로그래밍 방식)를 위해 단계, 환경 및 관찰된 결과를 문서화합니다.

디버깅 지침

클라이언트 및 서버 측을 확인하세요. 콘솔 오류, 네트워크 로그 및 결제 방법 호출에 대한 API 응답을 검사합니다. 예외(except)를 찾고 페이로드 값 필드를 확인합니다. 백엔드 시스템(системы)이 카드 유형(карты)을 인식하고 인증 호출이 예상되는 매개변수와 함께 올바른 엔드포인트(direct)에 도달하는지 확인합니다. 업데이트된 플래그가 변경된 경우 이전/이후 동작을 비교하여 회귀(based)를 식별하고 실패가 모든 은행에서 발생하는지 또는 일부 발급기관에서만 발생하는지 식별합니다.

증거 및 유효성 검사

오류, 입력된 필드 및 화면의 힌트를 보여주는 명확한 스크린샷을 캡처합니다. 업데이트된 요청/응답 페이로드 및 관련 로그(업데이트됨)를 저장합니다. 문제가 여러 사이트에서 발생하는 경우, 문제 해결에 도움이 되도록 사이트 간 패턴(관련)을 기록합니다. 관련 클라이언트 측 단서가 없으면 서버 측 진단으로 이동하여 결제 게이트웨이(제공업체) 상태 및 트랜잭션 차단을 위한 내부 규칙을 확인합니다.

에스컬레이션 계획

간결한 에스컬레이션 노트를 준비하십시오. 재현 단계, 환경, 영향을 받는 사이트, 사용자 수 및 영향을 포함하십시오. 스크린샷과 실패한 페이로드(값) 및 API 응답의 발췌 내용을 첨부하십시오. 엔지니어링 팀에 대한 질문(вопросы)을 제공하고 알려진 관련 문제(related)를 참조하십시오. 필요한 경우 티켓을 결제 시스템 그룹 및 백엔드 서비스 팀으로 보냅니다. 확인 후에도 근본 원인이 불분명한 경우 문제를 잠재적인 결함(fate)으로 표시하고 우선 순위 수준 및 타임라인과 함께 표적 조사(concern)를 요청하십시오.