Real-Time Account Updater Error Handling

You will make all Real-Time Account Updater requests to a single endpoint: /inquiry. If your request fails for authentication or network errors, you’ll receive an error in the format of the following example:

{
  "code": 403,
  "requestId": "8b764b09-5e2d-4562-8a74-6d04fbf574cd",
  "errorDetails": {
    "reason": "unauthorized",
    "message": "Merchant is not authorized to use the resource."
  }
}

API Error Details

HTTP Response Code	`errorDetails` reason	`errorDetails` message	Recommended Action
401	`AuthenticationFailed`	`The account updater service could not authenticate the request.`	Re-submit your request with correct credentials. Contact your Pagos account manager if the problem persists.
403	`unauthorized`	`Merchant is not authorized to use the resource.`	Re-submit your request with correct `x-merchant-id` in the header. Contact your Pagos account manager if the problem persists.
429	`concurrentLimitExceeded`	`You exceeded the maximum allowed concurrent API calls.`	Keep concurrent API calls within the allowed concurrent API request limits.
500	`SystemError`	`A system error occurred.`	Contact your Pagos account manager.
503	`NetworkError`	`The network cannot process the request.`	Re-submit your request later. Contact your Pagos account manager if the problem persists.

Validation Errors

If your request fails due to a validation error (HTTP code 400), the response will include a code element that explains the source of the validation error. The response will be in the format of the following example:

{
  error: {
    code: 'account_validation_month_invalid',
    message: "accountsEncrypted property validation's failed.",
    details: {}
  }
}

Validation Error Details

HTTP Response Code	`error` code	Recommended Action
400	`validation_error`	Re-submit your request following guidance in the `details` object.
400	`account_validation_account_number_invalid`	Re-submit your request with a valid PAN.
400	`account_validation_month_invalid`	Re-submit your request with a valid PAN expiry month.
400	`account_validation_year_invalid`	Re-submit your request with a valid PAN expiry year.

Pagos is currently working on normalizing the error message response body formats between API Error and Validation Error to aid in integraiton.

Update Codes Testing

⌘I

Authentication

Data & Response Codes

Data Ingestion

Pagos MCP Server

BIN Database

Account Updater

Network Tokenization

Real-Time Account Updater Error Handling

API Error Details

Validation Errors

Validation Error Details

​API Error Details

​Validation Errors

​Validation Error Details

API Error Details

Validation Errors

Validation Error Details