---
"@context": https://schema.org
"@type": TechArticle
"@id": https://www.twilio.com/docs/api/errors/64012#article
headline: "64012: Pay: Payment Gateway rejected the card."
url: https://www.twilio.com/docs/api/errors/64012
inLanguage: en
dateModified: 2026-09-11T17:12:45.000Z
author:
  "@type": Organization
  name: Twilio Developer Education Team
publisher:
  "@type": Organization
  name: Twilio
---

# 64012: Pay: Payment Gateway rejected the card.

Log Type: APPLICATION

Log Level: ERROR

## Description

This error occurs when `<Pay>` submits a card to your configured payment gateway or processor and the gateway rejects the card. Twilio sends the outcome to your `action` URL or `statusCallback` URL with fields such as `Result`, `PaymentError`, and `ConnectorError` so you can inspect the processor response and decide how to continue the call.

### Possible causes

* The underlying payment gateway or processor declined the card after `<Pay>` collected and submitted the caller's payment details.
* The gateway returned a processor-level failure in `PaymentError`, for example `card is declined`.
* If you are testing with a Generic Pay Connector in TEST mode, unsupported card numbers are blocked and your `action` URL receives an error response.

### Possible solutions

* Inspect `PaymentError` for the payment failure reason and `ConnectorError` for the underlying gateway error code or message.
* Review the `Result` value sent to your `action` URL or `statusCallback` URL and handle `payment-connector-error` in your call flow.
* Prompt the caller to enter the card details again or use a different card if the gateway reports a decline.
* If you are testing a Generic Pay Connector in TEST mode, retry with one of the supported test card numbers.

#### Additional resources

* [TwiML Voice: `<Pay>`](/docs/voice/twiml/pay)
* [Payments subresource](/docs/voice/api/payment-resource)
* [How to capture your first payment using `<Pay>`](/docs/voice/tutorials/how-capture-your-first-payment-using-pay)