Errors

Errors are returned with a non-2xx HTTP status and a JSON body:

{
  "error_code": "invalid_argument",
  "error_message": "the transaction amount is insufficient as it wont cater for cost: (4.62)",
  "status_code": 400
}

Common cases

Status	error_code	Example cause
400	invalid_argument	Amount too low to cover cost; inactive channel
401	—	Missing or invalid Basic auth credentials

Handling tips

• Always read error_message — it carries the specific business reason.
• A 400 is a permanent rejection of that request; fix the input before retrying.
• A 401 means your API key is missing or wrong.
• Network/5xx errors can be retried with backoff using the same external_reference for idempotency on your side.