Payment problems
Every payment error in one place. For the full guides see Card, Bitcoin / USDT and Bank transfer.
| Code | Method | Meaning | Fix |
|---|---|---|---|
| E-PAY-402 | Card | Declined by the bank. | Another card or contact the bank. Nothing was charged. |
| E-PAY-403 | Card | 3-D Secure failed or cancelled. | Pay again and approve in the bank app within 5 minutes. |
| E-PAY-404 | Card | Expired card or wrong CVC. | Check expiry and CVC. |
| E-PAY-405 | Card | Business hasn't set up live payments. | Pay by bank transfer or ask them to connect Stripe. |
| E-PAY-510 | Crypto | Underpaid (fee deducted or rate expired). | Send the missing amount to the same address within 24 h, or request a refund. |
| E-PAY-511 | Crypto | Payment request expired (15 min). | Get a new address; coins sent late are credited when they confirm. |
| E-PAY-512 | Crypto | Wrong network (USDT). | Contact support with the transaction id. |
| E-PAY-513 | Crypto | Waiting for confirmations. | Wait; low fees take longer. |
| E-PAY-514 | Crypto | Overpaid. | Extra refunded minus network fee. |
| E-PAY-520 | Bank | Reference missing. | Submit proof with the reference; matched by hand. |
| E-PAY-521 | Bank | Amount differs (fees). | Transfer the difference or ask the business to accept. |
| E-PAY-522 | Bank | Proof missing/unreadable. | Attach PDF/PNG/JPG up to 10 MB. |
| E-PAY-523 | Bank | Pending for over 5 business days. | Send the bank's tracking number to support. |
Which method should I use?
- Card: fastest, confirms in seconds, best under $5,000.
- Bitcoin / USDT: no card needed, confirms in minutes, you pay the network fee.
- Bank transfer: large amounts, 1–5 business days, needs the reference.