Upon the credit card payment rejection the EBANX API may return 2 types of errors to Merchant: Soft declined and Hard declined. Those messages / codes are usually returned right after the payment rejection and you can query the payment to retrieve more details.
1 – Soft declined: Is executed by a credit card processor when the issuing bank refuses the transaction because something has gone wrong in the authorization process. I.e insufficient funds. You can get more details about our responses here.
2 – Hard declined: Pre defined EBANX business rules that can decline a transaction. I.e the payment amount has exceed the maximum amount allowed for that specific payment type. You can get more details about our error codes here.