You will make all Real-Time Loon requests to a single endpoint: /inquiry. If your request fails, 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
400	`InvalidRequest`	`The account updater service could not validate the request.`	Re-submit your request with a valid request object.
400	`UnavailableMerchantAccount`	`The merchant account is not available.`	Contact your Pagos account manager
400	`InvalidPanExpiry`	`The PAN expiry is invalid.`	Re-submit your request with a valid PAN expiry year and month.
400	`validation_error`	`Some of the request values failed to validate.`	See the content contained i the details array. [Learn more](#.
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.
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 Pagos if the problem persists.

Validation Errors

If your request to Real-Time Loon fails due to a validation_error (HTTP code 400), the response will include a details array in addition to the errorDetails reason and message. The details will include location and message fields explaining the source of the validation error.

The response will be in the format of the following example:

{
  "code": 400,
  "requestId": "8b764b09-5e2d-4562-8a74-6d04fbf574cd",
  "errorDetails": {
    "reason": "validation_error",
    "message": "Some of the request values failed to validate.",
    "details": [
      {
        "location": "accountNumber",
        "message": "The account number has invalid length."
      },
      {
        "location": "expirationDate.Year",
        "message": "The expiration date's year field must have 4 digits."
      }        
    ]
  }
}