Adyen Gateway Response Codes

Adyen Gateway Tests – Help & Reference

This document describes the Adyen Gateway Tests: a set of test scenarios used to verify how your integration handles different payment outcomes when using the Adyen gateway (e.g. via Gr4vy). Each scenario triggers a specific result code and refusal reason so you can test error handling, retries, and user messaging.


What are the Adyen Gateway Tests?

The Adyen Gateway Tests cover the main failure and non-success outcomes returned by Adyen. For each scenario you can:

  • Confirm your system receives the expected result code (e.g. Refused, Error, Received, Cancelled).
  • Confirm the refusal reason (e.g. Blocked Card, Expired Card) when applicable.
  • Validate that your order management, retry logic, and customer-facing messages behave correctly for each case.

The tests are executed by sending a payment request (e.g. via Gr4vy Create Transaction) with a specific holder name value. The gateway uses that value to simulate the corresponding response.


How the tests work

  • Each test uses the same payment request template (amount, currency, card details, etc.).
  • The only change per test is the cardholder / holder name (e.g. in buyer.billing_details.first_name when using Gr4vy). That value tells the Adyen test environment which scenario to return.
  • The response will contain the resultCode and refusalReason (when applicable) for that scenario.

Full list of Adyen Gateway Tests

The table below lists all supported test scenarios: the test name, the expected result code, the refusal reason (if any), the holder name value used in the request, and the internal test code.

Test scenarioresultCoderefusalReasonHolder name valueCode
Generic errorErrorUnknownUNKNOWN0
Generic declineRefusedRefusedDECLINED2
ReferralRefusedReferralREFERRAL3
Acquirer errorErrorAcquirer ErrorERROR4
Blocked cardRefusedBlocked CardBLOCK_CARD5
Card expiredRefusedExpired CardCARD_EXPIRED6
Invalid amountRefusedInvalid AmountINVALID_AMOUNT7
Invalid card numberRefusedInvalid Card NumberINVALID_CARD_NUMBER8
Issuer unavailableRefusedIssuer UnavailableISSUER_UNAVAILABLE9
Not supportedRefusedNot supportedNOT_SUPPORTED10
3DS not authenticatedRefused3D Not AuthenticatedNOT_3D_AUTHENTICATED11
Not enough balanceRefusedNot enough balanceNOT_ENOUGH_BALANCE12
Payment pendingReceivedPENDING13
Acquirer fraudRefusedAcquirer FraudACQUIRER_FRAUD14
Cancelled (by system/merchant)RefusedCancelledCANCELLED15
Shopper cancelledRefusedShopper CancelledSHOPPER_CANCELLED16
Invalid PINRefusedInvalid PinINVALID_PIN17
PIN tries exceededRefusedPin tries exceededPIN_TRIES_EXCEEDED18
PIN validation not possibleRefusedPin validation not possiblePIN_VALIDATION_NOT_POSSIBLE19
Fraud (generic)RefusedFRAUDFRAUD20
Not submittedRefusedNot SubmittedNOT_SUBMITTED21
Fraud – cancelledCancelledFRAUD-CANCELLEDFRAUD_CANCELLED22
Transaction not permittedRefusedTransaction Not PermittedTRANSACTION_NOT_PERMITTED23
CVC declinedRefusedCVC DeclinedCVC_DECLINED24
Restricted cardRefusedRestricted CardRESTRICTED_CARD25
Revocation of authRefusedRevocation Of AuthREVOCATION_OF_AUTH26
Declined non genericRefusedDeclined Non GenericDECLINED_NON_GENERIC27
Withdrawal amount exceededRefusedWithdrawal amount exceededWITHDRAWAL_AMOUNT_EXCEEDED28
Withdrawal count exceededRefusedWithdrawal count exceededWITHDRAWAL_COUNT_EXCEEDED29
Issuer suspected fraudRefusedIssuer Suspected FraudISSUER_SUSPECTED_FRAUD31
AVS declinedRefusedAVS DeclinedAVS_DECLINED32
Card requires online PINRefusedCard requires online pinPIN_REQUIRED33
No checking account on cardRefusedNo checking account availableNO_CHECKING_ACCOUNT_AVAILABLE_ON_CARD34
No savings account on cardRefusedNo savings account availableNO_SAVINGS_ACCOUNT_AVAILABLE_ON_CARD35
Mobile PIN requiredRefusedMobile PIN requiredMOBILE_PIN_REQUIRED36
Contactless fallbackRefusedContactless fallbackCONTACTLESS_FALLBACK37
Authentication required (soft dec.)RefusedAuthentication requiredAUTHENTICATION_REQUIRED38
RReq not received from DSRefusedRReq not received from DSRREQ_NOT_RECEIVED39
AID in penalty boxRefusedCurrent AID is in Penalty Box.BAN_CURRENT_AID40
CVM required, restart paymentRefusedCVM Required Restart PaymentCVM_REQUIRED_RESTART_PAYMENT41
3DS authentication errorRefused3DS Authentication ErrorTHREED_SECURE_AUTHENTICATION_ERROR42
Online PIN requiredRefusedOnline PIN requiredONLINE_PIN_REQUIRED43
Try another interfaceRefusedTry another interfaceTRY_ANOTHER_INTERFACE44
Chip downgrade modeRefusedChip downgrade modeCHIP_DOWNGRADE_MODE45
Excessive retry fees blockedRefusedTransaction blocked by Adyen…ERPS_BLOCK46

The following table summarizes Adyen’s recommended actions for each response code when you encounter these responses in production. It is based on Adyen’s Refusal reasons and Result codes documentation.

Important: Adyen recommends that you do not expose the detailed refusal reason or refusal reason code to shoppers (e.g. in UI or logs visible to them), to avoid misuse. Use the recommended action to decide behaviour; show the shopper a generic, safe message (e.g. “Payment could not be completed. Please try again or use another card or payment method.”) where appropriate.

CodeRefusal reasonRecommended merchant action (Adyen)
0Unknown (Error)Inform the shopper that an error occurred. Ask them to try again or use another payment method. Do not expose technical details.
2RefusedInform the shopper the payment was refused. Ask them to try again or use a different card or payment method.
3ReferralInform the shopper the payment could not be completed. Ask them to try again or use a different card or payment method.
4Acquirer ErrorInform the shopper there was an error. Suggest retrying later or using another payment method.
5Blocked CardCard is blocked and unusable. Ask the shopper to use a different card.
6Expired CardCard has expired and is unusable. Ask the shopper to use a different card.
7Invalid AmountCheck amount/currency for mismatches. Correct and retry, or contact support if the issue persists.
8Invalid Card NumberAsk the shopper to check the card number or use a different card.
9Issuer UnavailableTemporary issuer unavailability. Ask the shopper to try again later or use a different card.
10Not supportedThe shopper’s bank does not support or allow this transaction. Ask them to use a different card or payment method.
113D Not Authenticated3D Secure was not completed successfully. Retry with successful 3DS authentication, or ask the shopper to use a different card.
12Not enough balanceInsufficient funds. Ask the shopper to use a different card or payment method (or a lower amount if applicable).
13Pending (Received)Payment request received; final status not yet available. Inform the shopper you received their order and are waiting for the payment outcome. Use webhooks for final status; do not treat as final until then.
14Acquirer FraudPossible fraud detected. Do not expose this reason. Do not retry the same payment; optionally ask the shopper to use a different payment method.
15CancelledInform the shopper the payment was cancelled and ask if they want to continue with their order.
16Shopper CancelledSame as 15: inform that the payment was cancelled and ask if they want to continue.
17Invalid PinPIN incorrect or invalid. Ask the shopper to retry with the correct PIN or use a different card.
18Pin tries exceededToo many incorrect PIN attempts. Ask the shopper to use a different card or try again later.
19Pin validation not possiblePIN could not be validated. Ask the shopper to retry or use a different card.
20FRAUDFraud score 100+; payment automatically refused. Do not expose this reason. Do not retry the same payment; optionally ask for a different payment method.
21Not SubmittedTransaction was not submitted correctly. Check request/integration, fix, and retry.
22FRAUD-CANCELLEDPost-authorization fraud; transaction refused. Same as 20: do not expose; do not retry same payment; optionally different payment method.
23Transaction Not PermittedTransaction not permitted by issuer/cardholder or acquirer. Ask the shopper to use a different card or contact their bank.
24CVC DeclinedCVC invalid. Ask the shopper to check the security code or use a different card.
25Restricted CardCard or transaction restricted. Ask the shopper to use a different card or payment method.
26Revocation Of AuthShopper or issuer revoked authorization (e.g. stop payment). Ask the shopper to use a different card if they want to proceed.
27Declined Non GenericGeneric decline from issuer. Ask the shopper to try again or use a different card or payment method.
28Withdrawal amount exceededAmount exceeds permitted withdrawal limit. Ask the shopper to use a different card or a lower amount.
29Withdrawal count exceededWithdrawal count limit exceeded. Ask the shopper to use a different card or try again later.
31Issuer Suspected FraudIssuer reported suspected fraud. Do not expose; do not retry same payment; optionally ask for a different payment method.
32AVS DeclinedAddress data incorrect or mismatch. Ask the shopper to check billing address or use a different card.
33Card requires online pinIssuer requires online PIN. Guide the shopper to complete PIN entry if supported; otherwise ask them to use a different card.
34No checking account on CardBank requires a checking account for this purchase. Ask the shopper to use a different card or payment method.
35No savings account on CardBank requires a savings account for this purchase. Ask the shopper to use a different card or payment method.
36Mobile pin requiredIssuer requires mobile PIN. Guide the shopper to complete it if supported, or use a different card.
37Contactless fallbackShopper abandoned after contactless attempt. Ask the shopper to complete payment with PIN or chip, or try again.
38Authentication requiredRetry with 3D Secure. The issuer declined an authentication exemption and requires authentication.
39RReq not received from DSCommunication issue with issuer/scheme. Retry the transaction or ask the shopper to use a different payment method.
40Current AID is in Penalty BoxRetry with a different payment method. The payment network cannot be reached for this method.
41CVM Required Restart PaymentRetry the transaction. A PIN or signature is required (e.g. complete the required step and resubmit).
423DS Authentication ErrorRetry the transaction, or retry with a different payment method. Authentication failed due to an issue at the card network or issuer.
43Online PIN requiredIssuer requires online PIN. Complete the flow if supported; otherwise ask the shopper to use a different card.
44Try another interfaceCard/issuer requires a different entry method. Ask the shopper to try again with the requested method or use a different card.
45Chip downgrade modeTerminal/card requested a different flow. Ask the shopper to try again (e.g. insert/swipe) or use a different card.
46Transaction blocked by Adyen…Do not retry immediately. Adyen blocked the transaction to prevent excessive retry penalty fees. Wait before retrying or contact Adyen/support.

General (from Adyen):

  • Refused: Inform the shopper the payment was refused and ask them to try again (e.g. with a different payment method or card).
  • Error: Inform the shopper there was an error processing the payment.
  • Cancelled: Inform the shopper the payment was cancelled and check if they want to continue with their order.
  • Received / Pending: Inform the shopper you received their order and are waiting for the final payment status; rely on webhooks for the final outcome.

Obtaining the Postman collection

A Postman collection is available that runs all Adyen Gateway Tests (one request per scenario) using the correct request format and holder name values.

To obtain the Postman collection for the Adyen Gateway Tests, please contact your Account Manager. They can provide the collection file and any required environment or authentication details.


  • Use a test/sandbox environment when running these scenarios.
  • Responses and exact wording may vary slightly by gateway version and configuration; the table above reflects the standard Adyen test behaviour.
  • For gateway-specific or environment-specific questions, contact your Account Manager or support channel.