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Merchant API errors use a consistent JSON shape:
{
  "error": {
    "code": "bad_request",
    "message": "quote_id is required"
  }
}

HTTP statuses

StatusMeaning
400Invalid body, missing field, expired quote, quote mismatch, or insufficient balance.
401Missing, invalid, expired, or inactive API credentials.
404Resource not found for the authenticated merchant.
409Idempotency conflict or a request with the same key is still processing.

Handling recommendations

  • Show actionable validation errors to your operators or support team.
  • Retry network failures with the same Idempotency-Key only when the business intent and request body are unchanged.
  • Do not retry authentication errors until credentials have been fixed.
  • Store error responses with your internal payment record for reconciliation and support.
Last modified on July 8, 2026