Errors and declines

There are two error shapes, not one

This is the single thing most integrations get wrong on day one.

{
  "error": "insufficient funds",
  "code": "INSUFFICIENT_FUNDS"
}

insufficient funds

A 422 is a decline: your request was fine, but the payment cannot proceed for a specific business reason. It is the only status that returns application/json and the only one carrying a machine-readable code. Everything else — 400, 401, 403, 404, 409, 500 — returns text/plain; charset=utf-8: one line of English with a trailing newline, no JSON, no code.

Calling response.json() on a 409 will throw. Check the status first, and only parse JSON on a 422.

if r.status_code == 422:
    code = r.json()["code"]      # safe: 422 is always JSON
else:
    detail = r.text.strip()      # everything else is plain text

Decline codes

All ten arrive as 422. Branch on code; never on the English error text, which is written for your logs and can be reworded.

The customer’s money

`code`	What happened	What to tell the customer
`INSUFFICIENT_FUNDS`	Balance is lower than the amount	”Not enough balance — would you like to pay the difference another way?”
`DAILY_LIMIT_EXCEEDED`	Their employer’s daily spending cap is used up for today	”Today’s meal allowance is used up. It resets tomorrow.”

The employer’s spend rules

Employers decide when and how their benefit may be spent. These are not errors — they are the policy working.

`code`	What happened	What to tell the customer
`WEEKDAY_NOT_ALLOWED`	Their benefit is not usable today (often weekends)	“This card can’t be used today.”
`TIME_NOT_ALLOWED`	Outside the permitted hours (often lunch only)	“This card can only be used during set hours.”

Days and times are evaluated in Asia/Ulaanbaatar, and the daily limit resets at Mongolian midnight — not UTC midnight and not your server’s local midnight. A charge at 00:30 in Ulaanbaatar is on the new day’s allowance.

The card or wallet

`code`	What happened	What to tell the customer
`WALLET_SUSPENDED`	The employer has suspended this employee’s benefit	”This card is inactive — please contact your employer.”
`CARD_FROZEN`	The card is temporarily frozen	Same as above.
`CARD_CANCELLED`	The card is permanently cancelled	Same as above.
`CARD_WALLET_MISMATCH`	Internal inconsistency — should not occur	Take another payment method and report it to us.

The scanned code

`code`	What happened	What to do
`TOKEN_EXPIRED`	The code is more than 24 hours old	Ask them to open their pass, then rescan
`TOKEN_INVALID`	Not a Vibepay code, or the string was altered in transit	Rescan; check your scanner isn’t adding a prefix or newline

Both are recoverable at the till. Offer a Rescan action rather than failing the sale.

Plain-text errors

400 — your request is wrong

Body	Cause
`qrToken is required`	Field missing or empty
`amountMNT must be positive`	Zero, negative, or above the 1,000,000 per-charge cap
`invalid request body`	Malformed JSON, an unknown field (`amountMnt`!), or a body over 1 MiB
`Idempotency-Key must not be blank …`	Header present but empty — omit it instead
`Idempotency-Key too long`	Over 255 characters
`invalid transaction id`	The `{txID}` in a reversal is not a valid id
invalid `from` (expected RFC3339)	Bad list filter

These are integration bugs. Retrying will not change the answer.

401 — credentials dead

Always the body unauthorized, whatever the cause. Stop the sale and re-pair the terminal. See Authentication.

403 — not yours

forbidden. On a reversal this means either the transaction belongs to another merchant, or it is not a charge. The two are deliberately indistinguishable.

404 — not found

wallet not found on a charge means the code verified but the card behind it no longer exists. transaction not found on a reversal means the id is unknown — check you saved the id from the charge response and not something else.

409 — already done

This is the one to handle carefully.

A 409 almost always means the thing you were trying to do already happened. It is far more often a success you did not hear about than a failure.

Body	Meaning	What to do
`qr token already used`	The scanned code was already spent	Check `GET /v1/transactions` before recharging — you are probably looking at your own successful charge
`transaction already exists`	Your idempotency key was reused for a different charge, or its original was reversed	Use a fresh key for a genuinely new sale
`transaction already reversed`	The refund already went through	Treat as success — mark it refunded locally

429 and 5xx — outcome unknown

{"message":"Too Many Requests"} and internal error respectively. Neither tells you whether the charge committed. Retry with the same Idempotency-Key, or reconcile against GET /v1/transactions. See Environments and limits.

A decision table for your POS

Do not match on message text

The error string and the plain-text bodies are for humans reading logs. They may be reworded at any time. The contract you can rely on is the HTTP status and, on a 422, the code. If you need Mongolian text for a cashier, map the code to your own strings — the codes are stable and the English is not.

Get started

Taking payments

Going live

There are two error shapes, not one

Decline codes

The customer’s money

The employer’s spend rules

The card or wallet

The scanned code

Plain-text errors

400 — your request is wrong

401 — credentials dead

403 — not yours

404 — not found

409 — already done

429 and 5xx — outcome unknown

A decision table for your POS

Do not match on message text

​There are two error shapes, not one

​Decline codes

​The customer’s money

​The employer’s spend rules

​The card or wallet

​The scanned code

​Plain-text errors

​400 — your request is wrong

​401 — credentials dead

​403 — not yours

​404 — not found

​409 — already done

​429 and 5xx — outcome unknown

​A decision table for your POS

​Do not match on message text

There are two error shapes, not one

Decline codes

The customer’s money

The employer’s spend rules

The card or wallet

The scanned code

Plain-text errors

400 — your request is wrong

401 — credentials dead

403 — not yours

404 — not found

409 — already done

429 and 5xx — outcome unknown

A decision table for your POS

Do not match on message text