Guide to Online Payments
1. Enable online payments
Most declines are due to the bank blocking online transactions.
Check in the bank application:
- Online payments: ON
- International payments: ON
- Online payments via 3-D Secure: ON
2. Check payment limits
Common error: RC = 61 — «Amount limit exceeded»
Check:
- Limit per transaction (must be ≥ 14,000 / 19,000 / 21,500 ₸)
- Daily limit
- Limit on online payments
- Limit on international operations
If the limit is low, increase it in the bank application.
3. Ensure the card has sufficient funds
Error: RC = 51 — «Insufficient funds»
Check:
- Card balance
- Available balance for online payments (some banks have a separate limit)
4. Check 3-D Secure functionality
Error: RC = -19 — «Authentication error»
Reasons:
- SMS code did not arrive
- Confirmation window did not open
- Weak internet connection
- Phone blocks pop-up windows
What to do:
- Disable VPN
- Enable mobile data or Wi-Fi
- Open the bank app — sometimes confirmation arrives there
5. Ensure the card is not blocked
Error: RC = -17 — «Access denied»
Reasons:
- Card blocked by user
- Card blocked by bank
- Card expired or reissued
- Bank does not allow transactions at this merchant
Check:
- Check status of the card in the app
- Card expiration date
- Availability of restrictions on online payments
6. Avoid suspicious activities
Error: RC = 59 — «Suspicious transaction»
Reasons:
- VPN
- Non-standard device
- Too many payment attempts in a row
- Attempt to pay without a name
What to do:
- Disable VPN
- Try again later
- Use another card
7. If the bank rejects the transaction without explanation
Error: RC = 05 — «Do not honor»
This is a universal bank rejection.
What to do:
- Use another card
- Contact the bank
8. Repeated transactions
Error: RC = -21 — «Duplicate transaction»
Occurs when the user repeats the payment too quickly or the session is not yet complete.
What to do:
- Wait a few minutes and try again
- Do not click the pay button repeatedly
9. All errors encountered in payments
| RC | Error text | Brief explanation |
|---|---|---|
| 61 | Amount limit exceeded | Card limit too low for this amount |
| 57 | Transaction prohibited | Online payments disabled or bank blocks the operation |
| -17 | Access denied | Card blocked or bank did not allow the operation |
| -19 | Authentication error | 3-D Secure (identity verification) failed |
| 05 | Do not honor | Universal bank rejection without detailing |
| 51 | Insufficient funds | Not enough money on the card |
| 59 | Suspicious transaction | Bank anti-fraud blocked the transaction |
| -21 | Duplicate transaction | Too fast repeated payment attempt |
| 58 | Transaction prohibited | Bank did not allow the operation (often anti-fraud) |
In short:
If payment fails, check online payments, limits, balance, 3-D Secure, absence of VPN, and card status. If the bank continues to decline the transaction, use another card or contact the bank.