As per Monzo’s public documentation, when a transaction is declined the entry is populated with a decline_reason.
The docs show a couple of examples, but there many others that may happen that your applications may want to handle with better wording etc!
- ACCOUNT_CLOSED
- Your account is closed
- BELOW_MINIMUM_TRANSACTION_AMOUNT
- Deposit below %s minimum
- CARD_BLOCKED
- Use your new card instead
- CARD_CLOSED
- Payment was on your old, deactivated card
- CARD_INACTIVE
- Defrost your card from Account
- CARD_REQUIRES_ACTIVATION
- Activate your card from Account
- CONTACTLESS_FAILURE
- Contactless failed, please try chip & PIN
- CVC_BLOCKED
- Unblock your pin from Account
- EXCEEDS_DEPOSIT_AMOUNT_LIMIT
- Deposit exceeds your 180 day limit
- EXCEEDS_TRANSACTION_AMOUNT_LIMIT
- Transaction exceeds your limit
- EXCEEDS_TRANSACTION_AMOUNT_LIMIT_KYC_REQUIRED
- Transaction exceeds your limit
- EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT
- Withdrawal exceeds your limit
- EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT_KYC_REQUIRED
- Withdrawal exceeds your limit
- EXCEEDS_WITHDRAWAL_COUNT_LIMIT
- Withdrawal exceeds your limit
- EXCEEDS_WITHDRAWAL_COUNT_LIMIT_KYC_REQUIRED
- Withdrawal exceeds your limit
- GAMBLING_BLOCK
- Gambling transactions are blocked
- INSUFFICIENT_FUNDS
- You didn’t have %s
- INVALID_APPLICATION_CRYPTOGRAM
- Please try again
- INVALID_CONTACTLESS_MAGSTRIPE_DATA
- Please try again
- INVALID_CVC
- Wrong 3-digit code
- INVALID_EXPIRY_DATE
- Wrong expiry date
- INVALID_MERCHANT
- Pay at pump not supported
- INVALID_NEW_PIN
- Choose a 4-digit PIN
- INVALID_PIN
- Wrong PIN
- KYC_REQUIRED
- Confirm your identity
- MAGNETIC_STRIP_ATM
- Turn on magstripe from card management
- MERCHANT_BLOCKED
- You asked us to block this merchant
- NEW_PIN_DISALLOWED
- Please choose a different PIN
- OTHER
- Declined
- PIN_REQUIRED
- Sorry, please try another card
- PIN_RETRY_COUNT_EXCEEDED
- Unblock your pin from Account
This is correct as of the v2.37.0 Android release