Payment
After your Glomo account is activated, you can begin accepting live payments. Each payment attempt made by a customer is recorded as a payment entity, representing their effort to complete the transaction.
Payment States
Below are the states a payment can have :-
| State | Description |
|---|---|
| In Progress | This is the initial state after payment creation, indicating that the payment has been initiated but not yet completed. |
| Success | The payment has been successfully completed by the customer. |
| Action required | Additional information is needed to process the payment. |
| Failed | The payment could not be processed successfully. |
Payment Life Cycle
An overview of the payment lifecycle process :-
Error Codes
Certain failures return an error code, a concise identifier accompanied by a short message. These codes make it simple to detect and handle issues, such as payment declines, within your integration. Refer to this Glomo error code reference for code meanings and suggested remediation steps.
| Error Code | Description |
|---|---|
| PAYMENT_DECLINED | The payment attempt was declined. This could be due to issuer rejection, risk assessment, or restrictions on the card or account. The customer should contact their bank or try a different payment method. |
| INVALID_CARD_NUMBER | The card number entered is invalid. This may be due to an incorrect number, unsupported card format, or a failed checksum validation. |
| CARD_EXPIRED | The card has expired and can no longer be used for transactions. The customer must provide a valid, non-expired card. |
| INVALID_CARD | The card is not valid for processing. This may occur due to restrictions such as card being blocked, canceled, not enabled for e-commerce, or not supported by the payment processor. |
| INVALID_CARD_CVV | The security code (CVV) provided is incorrect or invalid. The customer should verify and re-enter the correct code from their card. |
| INVALID_CARD_EXPIRY_DATE | The card expiration date provided is invalid or not formatted correctly. Ensure both the month and year are entered accurately. |
| CARD_NOT_SUPPORTED | The card is not supported for the transaction. This may be due to an unsupported card type, currency combination, or issuer restriction. |
| CARD_LIMIT_EXCEEDED | The transaction amount exceeds the card's permitted spending limit. The customer should contact their bank or use an alternate payment method. |
| INVALID_PHONE_NUMBER | The phone number provided is missing, malformed, or fails validation checks. Ensure the number is entered in the correct international format. |
| INVALID_EMAIL | The email address entered is invalid or improperly formatted. A valid email is required for the transaction or verification process. |
| INVALID_OTP | The One-Time Password (OTP) entered is incorrect or expired. The customer should retry or request a new OTP. |
| INVALID_PIN | The PIN entered is incorrect or not accepted by the card issuer. This may occur for debit or prepaid card transactions requiring PIN verification. |
| OTP_LIMIT_EXCEEDED | Too many incorrect OTP attempts have been made. The customer must wait before attempting again or use an alternate method. |
| DECLINED_DUE_TO_RISK | The transaction was flagged and declined by the system's fraud or risk engine. This may be due to suspicious behavior, geolocation, velocity checks, or internal rules. |
| DECLINED_BY_ISSUING_BANK | The card issuer declined the transaction. Common reasons include insufficient funds, invalid card status, or restrictions imposed by the bank. |
| INSUFFICIENT_BALANCE | The account linked to the card does not have enough funds to complete the transaction. |
| 3DS_AUTHENTICATION_FAILED | The 3D Secure authentication failed. The customer should verify their identity with their bank or try again. |
| CARD_DISABLED_FOR_ONLINE_PAYMENT | The card is disabled for online payments. The customer should contact their bank to enable online transactions or use a different payment method. |