On October 22, 2026, we updated our response codes for MB WAY to give you more detailed information on why a MB WAY payment or refund was declined.
You can view the changes below.
Changes to MB WAY payment response codes
20003 - Invalid merchant
Some declines that previously returned 20003 - Invalid merchant will now return one of the following response codes:
- 20083 No accounts – the customer’s phone number isn’t registered with MB WAY
- 20120 Invalid customer – the customer’s phone number has the wrong format
20046 - Bank decline
Some declines that previously returned 20046 - Bank decline will now return one of the following response codes:
- 20016 Card not initialized - the card linked to the customer’s MB WAY account is invalid
- 20096 System malfunction - there is a technical issue with the MB WAY service provider
- 20051 Insufficient funds - the customer did not have sufficient funds to make the purchase
- 20059 Suspected fraud - the customer’s bank declined the payment
20068 Internal error
We now return this response code if the MB WAY provider has a temporary service issue.
New response codes
We now return the following new response codes in addition to the existing response codes in our documentation. We will add these to our MB WAY docs in the coming weeks.
- 20019 Transaction has expired
- 20046 Bank decline
- 20051 Insufficient funds
Changes to MB WAY refund response codes
We now return a detailed response code when a refund is declined, instead of a generic failure.
We've listed the possible response codes we may return below:
- 20003 Invalid merchant or service provider
- 20006 Error / Invalid request parameters
- 20012 Invalid transaction
- 20013 Invalid value / amount
- 20016 Card not initialized
- 20017 The customer canceled the payment
- 20019 Transaction has expired
- 20046 Bank decline, when MB WAY gives no specific reason
- 20051 Insufficient funds
- 20059 Suspected fraud
- 20061 Activity amount limit exceeded
- 20068 Internal error
- 20083 No accounts
- 20096 System malfunction
- 20111 Transaction already reversed
- 20120 Invalid customer / user