> ## Documentation Index
> Fetch the complete documentation index at: https://circle-devdocs-test-ai-codegen-component.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Failure Codes

When a payment fails, CPN provides a
[failure reason](/cpn/references/payment-and-transaction-failure-reasons) and a
failure code. Depending on when the failure occurs, this information is returned
in the synchronous (API) or asynchronous (webhook) response. This failure code
can help you understand why the payment failed, and take appropriate steps to
resolve the issue. The following sections outline the specific failure codes for
failed payments.

## General

These codes apply when the failure reason is `OTHER`.

| Failure code | Description   |
| ------------ | ------------- |
| `PM00001`    | General error |

## Travel rule

These codes apply when the failure reason is `TRAVEL_RULE_FAILED`.

| Failure code | Description                                                                                                |
| ------------ | ---------------------------------------------------------------------------------------------------------- |
| `PM01000`    | A general travel rule failure occurred during travel rule verification                                     |
| `PM01001`    | The originator address is missing data or doesn't meet required formatting or jurisdictional standards     |
| `PM01002`    | The beneficiary address is missing data or doesn't meet required formatting or jurisdictional standards    |
| `PM01003`    | The national ID or passport number provided for the originator is invalid, missing, or fails verification  |
| `PM01004`    | The national ID or passport number provided for the beneficiary is invalid, missing, or fails verification |

## Bank verification

These codes apply when the failure reason is `BANK_VERIFICATION_FAILED`.

| Failure code | Description                                                                                                                                      |
| ------------ | ------------------------------------------------------------------------------------------------------------------------------------------------ |
| `PM02000`    | General bank detail validation failure                                                                                                           |
| `PM02001`    | The beneficiary bank account details (SWIFT BIC, account alias, account number) are invalid, malformed, or not recognized by the bank or network |
| `PM02002`    | The beneficiary bank account details provided don't match the registered beneficiary in the bank's records                                       |
| `PM02003`    | The receiving bank isn't supported                                                                                                               |
| `PM02004`    | The specified account type (checking, savings) isn't supported                                                                                   |

## RFI verification

These codes apply when the failure reason is `RFI_VERIFICATION_FAILED`.

| Failure code | Description                                          |
| ------------ | ---------------------------------------------------- |
| `PM03000`    | General RFI verification failure                     |
| `PM03001`    | Missing or improperly formatted RFI documents        |
| `PM03002`    | Conflicting data in the RFI submission               |
| `PM03003`    | Expired or outdated RFI documents                    |
| `PM03004`    | Rejected after manual compliance review              |
| `PM03005`    | RFI response or review not completed in allowed time |

## Existing RFI pending

These codes apply when the failure reason is `EXISTING_RFI_PENDING`.

| Failure code | Description                                           |
| ------------ | ----------------------------------------------------- |
| `PM04000`    | An RFI exists on the customer in a non-terminal state |

## Onchain settlement

These codes apply when the failure reason is `ONCHAIN_SETTLEMENT_FAILED`.

| Failure code | Description                                                                     |
| ------------ | ------------------------------------------------------------------------------- |
| `PM05000`    | General onchain settlement failure                                              |
| `PM05001`    | Received funds are invalid (wrong asset, insufficient amount, wrong blockchain) |

## Fiat settlement

These codes apply when the failure reason is `FIAT_SETTLEMENT_FAILED`.

| Failure code | Description                                 |
| ------------ | ------------------------------------------- |
| `PM06000`    | General fiat settlement or payout failure   |
| `PM06001`    | Rejected by the receiving bank              |
| `PM06002`    | Rejected by the sending bank                |
| `PM06003`    | Destination account invalid or unregistered |
| `PM06004`    | Destination account blocked                 |

## Compliance check

These codes apply when the failure reason is `COMPLIANCE_CHECK_FAILED`.

| Failure code | Description                                                                                                  |
| ------------ | ------------------------------------------------------------------------------------------------------------ |
| `PM07000`    | General compliance check failure                                                                             |
| `PM07001`    | Originator blocked or ineligible                                                                             |
| `PM07002`    | Beneficiary blocked or ineligible                                                                            |
| `PM07003`    | OFI compliance check failed.<br /><br />You may need to complete KYB before proceeding with further payments |
| `PM07004`    | The beneficiary bank account failed compliance checks                                                        |

## Canceled

These codes apply when the failure reason is `CANCELLED`.

| Failure code | Description                           |
| ------------ | ------------------------------------- |
| `PM08000`    | Funds were canceled by the originator |

## Payment expired

These codes apply when the failure reason is `PAYMENT_EXPIRED`.

| Failure code | Description                                           |
| ------------ | ----------------------------------------------------- |
| `PM09000`    | Crypto funds not received in the expected time window |