{"id":2792,"date":"2025-05-17T14:19:05","date_gmt":"2025-05-17T06:19:05","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2792"},"modified":"2025-05-17T14:19:05","modified_gmt":"2025-05-17T06:19:05","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%b8%b8%e8%a7%81%e6%8a%a5%e9%94%99%e4%b8%8e%e6%8e%92%e6%9f%a5%e6%96%b9%e6%b3%95","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/17\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%b8%b8%e8%a7%81%e6%8a%a5%e9%94%99%e4%b8%8e%e6%8e%92%e6%9f%a5%e6%96%b9%e6%b3%95\/","title":{"rendered":"Common Error Reporting and Troubleshooting in Philippine Payment Systems"},"content":{"rendered":"<h1>Common Error Reporting and Troubleshooting in Philippine Payment Systems<\/h1>\n<h2>Common Error Codes and Meanings<\/h2>\n<ol>\n<li>\n<p><strong>E100 - Transaction timeout<\/strong><\/p>\n<ul>\n<li>Reason: unstable internet connection or slow response from bank\/payment gateway<\/li>\n<li>Solution: Check the network connection and retry later; confirm that the communication between the merchant server and the payment gateway is normal.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>E201 - Insufficient balance<\/strong><\/p>\n<ul>\n<li>Reason: Insufficient funds in the user's account to complete the transaction<\/li>\n<li>Solution: Prompt the user to top up or change the payment method<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>E202 - Exceeding Single Limit<\/strong><\/p>\n<ul>\n<li>Reason: Transaction amount exceeds the single transaction limit set by the bank\/e-wallet<\/li>\n<li>Solution: Advise users to make multiple small payments or contact the card issuer to increase the limit.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>E301\/OMP_0010_01<\/strong> (GCash-specific)<\/p>\n<ul>\n<li>\"Transaction failed due to insufficient funds or exceeded limit\"<\/li>\n<li>GCash wallet balance is insufficient or reaches the daily limit (usually \u20b150,000)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>BPI Error Code: BPI-9999<\/strong><\/p>\n<ul>\n<li>\"General error\", contact BPI customer service for specific information.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PayMaya Error: PMY-4001<\/strong><br \/>\nAuthentication failure, usually invalid or expired API key<\/p>\n<\/li>\n<\/ol>\n<h2>Frequently asked questions about cash payments at OTC counters (e.g. Dragonpay, 7-Eleven CLiQQ, etc.)<\/h2>\n<ol>\n<li>\n<p><strong>Invalid\/expired reference number<\/strong><br \/>\nEach OTC transaction has a 24-hour validity period, after which the order has to be regenerated.<\/p>\n<\/li>\n<li>\n<p><strong>Payment made but status not updated<\/strong><br \/>\nTypically takes 15 minutes to 2 hours to process; if not updated in more than 4 hours contact the payment provider and provide a photo of the receipt as proof<\/p>\n<\/li>\n<\/ol>\n<p>3.<strong>Amount mismatch<\/strong><br \/>\nEnsure that the amount paid by the customer is accurate to two decimal places (PHP), any discrepancy will result in failure<\/p>\n<h2>PCI DSS Compliance Related Errors (for online credit card processing)<\/h2>\n<p>1.<strong>3DS authentication failed<\/strong>(Mastercard SecureCode\/VBV Verification)<br \/>\nMay be locked multiple times due to cardholders entering OTP incorrectly<\/p>\n<p>2.<strong>AVS address checksum mismatch<\/strong>(particularly affecting the use of international cards in the Philippines)<br \/>\nIt is recommended to disable AVS checksums or add the \"Ignore AVS\" option to the system.<\/p>\n<h2>Troubleshooting Steps for API Integration Classes.<\/h2>\n<p>1\ufe0f\u20e3 <em>test environment<\/em>:<\/p>\n<pre><code class=\"language-bash\">curl --location --request POST 'https:\/\/api.sandbox.paymentprovider.ph\/v3\/payments' \\<br>\r\n--header 'Authorisation: Bearer YOUR_API_KEY' \\<br>\r\n--header 'Content-Type: application\/json' \\<br>\r\n--data-raw '{<br>\r\n \"amount\": \"1000\",<br>\r\n \"currency\": \"PHP\",<br>\r\n ...<br>\r\n}'<br>\r\n<\/code><\/pre>\n<p>2\ufe0f\u20e3 <em>Production environment checklist<\/em>:<\/p>\n<ul>\n<li>\u2705 SSL certificates valid and PCI compliant (TLS \u22651.2)<\/li>\n<li>\u2705 Your server IP has been added to the IP whitelist<\/li>\n<li>\u2705 Webhook endpoint is publicly accessible and returns a 200 status code<\/li>\n<li>\u2705 PHP environment<code>allow_url_fopen=On<\/code>(if applicable)<\/li>\n<\/ul>\n<h2>Bangko Sentral ng Pilipinas (BSP) Regulatory Requirements Notes.<\/h2>\n<p>\u26a0\ufe0f A full log of all failed financial transactions must be kept for at least 5 years<br \/>\n\u26a0\ufe0f Repeated authentication failures for the same user may trigger AMLC AML review<br \/>\n\u26a0\ufe0f Failure due to maintenance period: BSP mandates a mandatory settlement window of 03:00-05:00am every Sunday morning.<\/p>\n<p>If further assistance is required, it is recommended that it be provided:<br \/>\n\ud83d\udd39 Full Error Code + Subcode<br \/>\n\ud83d\udd39 Occurrence timestamp (includes time zone GMT+8)<br \/>\n\ud83d\udd39 Whether cross-currency settlement is involved<\/p>\n<h2>Guidelines for in-depth troubleshooting of payment systems in the Philippines (continued)<\/h2>\n<h3>Errors specific to bank transfer type transactions<\/h3>\n<ol>\n<li>\n<p><strong>InstaPay\/PESONet Error Classification<\/strong><\/p>\n<ul>\n<li>\n<p><strong>IP-102<\/strong> (InstaPay)<br \/>\n<em>\"Beneficiary account not found\"<\/em><br \/>\nSolution:<\/p>\n<ul>\n<li>Verify recipient account number + bank code combination<\/li>\n<li>Note that some banks require a 12-digit account number to be entered (e.g. BPI), even if the customer normally uses a 10-digit<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PN-209<\/strong> (PESONet)<br \/>\n<em>\"Transaction exceeds cutoff time\"<\/em><br \/>\nClearing deadlines vary by bank:<\/p>\n<pre><code class=\"language-mermaid\">timeline<br>\r\n    title Example of PESONet's same day arrival cut-off time<br>\r\n    2023-01-01 : bdo: 14:30 <br>\r\n    2023-01-01 : Metrobank: 15:00<br>\r\n    2023-01-01 : Landbank: 16:00<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Repeat transaction detection<\/strong><br \/>\nThe Philippine financial system triggers windfall controls for consecutive transactions of the same amount:<\/p>\n<ul>\n<li>InstaPay: \u20b110,000+ transactions from the same payee in 5 minutes automatically pending review<\/li>\n<li>PESONet: \u00b1\u20b10.50 difference in the same batch can circumvent repeat testing<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>GCash\/e-wallet advanced troubleshooting<\/h3>\n<ol>\n<li>\n<p><strong>Errors specific to enterprise accounts<\/strong><\/p>\n<pre><code>Error code: G-XMP_3004_62  <br>\r\nMeaning: \"Monthly corporate wallet limit reached\"<br>\r\n<\/code><\/pre>\n<p>The default monthly limit for Corporate GCash account is \u20b1500,000, advance application for withdrawal is required by submitting.<\/p>\n<ul>\n<li>SEC Certificate of Registration<\/li>\n<li>BIR2303 Tax registration<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Biometric verification failed<\/strong><br \/>\nWhen the<code>auth_biomedical_factory<\/code>Time:<\/p>\n<pre><code class=\"language-python\"># GCash official suggested retry logic (pseudo code)<br>\r\n<br>\r\n    if error == AUTH_BIOMETRIC_FAILURE.<br>\r\n        wait(minutes=5) <br>\r\n        if retry_count &lt;2.<br>\r\n            trigger_SMS_OTP_fallback()<br>\r\n        else.<br>\r\n            lock_account_for(24h)<br>\r\n<br>\r\n    Applicable to vivo\/Y series mobile phone users need to pay special attention to the light conditions    <br>\r\n    ```<br>\r\n<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<h3>QR Ph Standard Payment Issues<\/h3>\n<ol>\n<li><strong>Dynamic QR code failure<\/strong><br \/>\nThe Central Bank of the Philippines requires that QR Ph dynamic codes must contain the following elements to be valid:<\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th>field<\/th>\n<th>example value<\/th>\n<th>OBR required<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>CRC<\/td>\n<td>SHA256(\"MERCHANT_ID+TXID\")<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<tr>\n<td>validUntil<\/td>\n<td>ISO 8601 format (Manila time zone)<\/td>\n<td>\u2713<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ol start=\"2\"><\/p>\n<li><strong>Common reasons for scanning failures on the consumer side<\/strong><\/li>\n<\/ol>\n<pre><code class=\"language-diff\"># POS terminal configuration checklist:<br>\r\n<br>\r\n+ [ ] QR generates pixel density \u2265 300 dpi  <br>\r\n+ [ ] PNG format instead of JPEG  <br>\r\n! [ ] PSP Merchant ID certified by BSP (not a test MID)  <br>\r\n<\/code><\/pre>\n<h3>Bangko Sentral Regulatory Sandbox Considerations<\/h3>\n<p>When testing innovative payment solutions:<\/p>\n<p>1\ufe0f\u20e3 <em>Simulation of environment-specific parameters<\/em>::<\/p>\n<pre><code>Headers must contain.<br>\r\nX-BSP-Sandbox: true  <br>\r\nX-Test-Case-ID: {pre-approved test case number}<br>\r\n<\/code><\/pre>\n<p>2\ufe0f\u20e3 <em>Stress Test Limitations<\/em>::<br \/>\n\u26a0\ufe0f prohibits running bulk tests after 4pm on Friday (conflicts with weekly billing)<\/p>\n<p>If real-time diagnosis of complex cases is required, it is recommended that this process be reported:<\/p>\n<pre><code class=\"language-flowchart\">A [collect original request] --&gt; B {does it contain sensitive data?}    <br>\r\nB --&gt; |Yes| C [encrypted with OpenSSL]     <br>\r\nB --&gt; |No| D [Direct Attach Log]     <br>\r\nC &amp; D --&gt; E [compressed to ZIP and password protected]      <br>\r\nE --&gt; F [transmitted via BSP SecureUpload]<br>\r\n<\/code><\/pre>\n<p>Ongoing monitoring suggested tool combination: FTS Monitor from Splunk + BSP (free version supports real-time analysis of 5 transactions per second).<\/p>\n<h2>Expert-level troubleshooting manual for Philippine payment systems (continued)<\/h2>\n<h3>Cross-border payment special scenario processing<\/h3>\n<ol>\n<li>\n<p><strong>SWIFT-specific errors<\/strong><\/p>\n<ul>\n<li><strong>BSP-REMIT-004<\/strong>: Deduction of intermediary bank charges<br \/>\n<em>impunity<\/em>: The amount actually received by the payee is less than the amount sent<x-equation>15-<\/x-equation>50<br \/>\n<em>prescription<\/em>::<\/p>\n<pre><code class=\"language-python\"># Algorithmic logic for computing optimal remittance paths<br>\r\ndef calculate_optimal_route(sender_bank, receiver_bank).<br>\r\n    if sender_bank in ['BPI', 'BDO'] and receiver_bank in ['Chinabank', 'RCBC']:: if sender_bank in ['BPI', 'BDO'] and receiver_bank in ['Chinabank', 'RCBC'].<br>\r\n        return 'Use an in-country transit network instead of SWIFT'<br>\r\n    else.<br>\r\n        return f \"Explicitly inform the user that a {max(15, amount*0.01)} USD handling fee will be deducted\"<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Cryptocurrency exchange channel restrictions<\/strong><br \/>\nIn accordance with BSP Circular No. 1108:<\/p>\n<ul>\n<li>Additional KYC steps to be completed for \u20b1500,000+ transactions<\/li>\n<li>common error<code>CRYPTO_KYC_TIER2_REQUIRED<\/code>Trigger Condition:<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th>trading behaviour<\/th>\n<th>risk control threshold<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Cumulative buying in a single day<\/td>\n<td>\u2265200,000<\/td>\n<\/tr>\n<tr>\n<td>Consecutive transactions by the same seller<\/td>\n<td>\u22653 times\/hour<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>POS terminal hardware troubleshooting<\/h3>\n<ol>\n<li><strong>Ingenico\/Landbank Equipment Specific Code List<\/strong><\/li>\n<\/ol>\n<pre><code class=\"language-bash\">Example of reading logs under # Linux system (requires root privileges)<br>\r\nsudo cat \/var\/log\/payment-terminal\/$(date +%Y-%m-%d).log | grep \"E_\" <br>\r\n<\/code><\/pre>\n<p>Common hardware error countermeasures:<\/p>\n<table>\n<thead>\n<tr>\n<th>LED status code<\/th>\n<th>hidden meaning<\/th>\n<th>Emergency programme<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud83d\udd34\ud83d\udfe1 alternating flashes (2 times)<\/td>\n<td>SIM card not detected<\/td>\n<td>Unplug and re-plug + call *#06# Check ICCID<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udfe2Continuing Flash Mob<\/td>\n<td>EMV chip read failure<\/td>\n<td>[Alcohol swabs to clean the chip] \u2192 [Attempt to swipe the magnetic stripe] \u2192 [Manually enter the card number]<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ol start=\"2\"><\/p>\n<li><strong>Thermal printer communication protocol conflict<\/strong><br \/>\nAppears when connecting Bluetooth and USB at the same time<code>PRINTER_BUSY<\/code>Error:<\/p>\n<pre><code class=\"language-mermaid\">sequenceDiagram<br>\r\n    Terminal-&gt;&gt;Printer: USB command to print receipt A<br>\r\n    Mobile App-&gt;&gt;Printer: Bluetooth command to print promotional content B<br>\r\n    Printer--&gt;&gt;Terminal: BUSY_ERROR (0x7F)<br>\r\n    The correct process should lock the interface with the AT command:.<br>\r\n    AT+CLAIM=USB <br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<h3>BSP Real Time Gross Settlement System (RTGS) Operations and Maintenance Window<\/h3>\n<ol>\n<li><strong>Enhanced Monitoring Recommendations for Mandatory Maintenance Periods<\/strong><br \/>\nDeployment is recommended every Sunday during 03:00-05:00 GMT+8:<\/li>\n<\/ol>\n<pre><code class=\"language-bash\">#!\/bin\/bash<br>\r\n# RTGS Maintenance Period Heartbeat Detection Script Sample<br>\r\n<br>\r\nwhile maintenance_window_active; do<br>\r\n  <br>\r\ncurl -X POST \"https:\/\/bsp-monitor.ph\/api\/v1\/ping\" \\<br>\r\n-H \"Authorisation:Bearer $(cat \/etc\/bsp\/api.key)\" \\ <br>\r\n--data-raw '{\"component\": \"RTGS\", \"region\": \"MANILA\"}'<br>\r\n<br>\r\nif [ $? ! =0 ]; then    <br>\r\nescalate_to_oncall_engineer --priority=P0   <br>\r\nfi  <br>\r\n<br>\r\nsleep300  <br>\r\ndone &gt;&gt; \/var\/log\/rtgs_monitor.log  <br>\r\n<\/code><\/pre>\n<ol start=\"2\"><\/p>\n<li><strong>Disaster recovery protocol trigger conditions<\/strong><\/li>\n<\/ol>\n<p>The following events automatically activate the BCP profile:<br \/>\n\u2705 InstaPay Failure Rate for 30 consecutive minutes &gt;15%<br \/>\n\u2705 PESONet batch file processing delay \u2265 90 minutes<br \/>\n\u2705 QR Ph master certificate expired (renewed every 2 years)<\/p>\n<h3>AI-driven intelligent troubleshooting tool recommendations<\/h3>\n<p>A dedicated diagnostic programme developed locally in the Philippines:<\/p>\n<p>1.<strong>GCash Einstein<\/strong>(Business Merchants Only) Features include:<br \/>\n-Predictive limit management (based on historical transaction patterns)<br \/>\n-Voice IVR auto-generated work orders (support Tagalog mixed English)<\/p>\n<pre><code class=\"language-jsonc\">\/\/ Example API response (AI analysis results)<br>\r\n{<br>\r\n\"error_code\": \"G-XMP_3004_62\".<br>\r\n\"suggested_action\": {<br>\r\n\"immediate\": [\"Switch to alternate clearing channel\"],<br>\r\n\"long_term\": [\"Submission of Business Validation Materials for Limit Increase\"]<br>\r\n},<br>\r\nconfidence_score:92%<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>For further debugging of complex cases, the BSP Technical Support Group can be contacted in any of the following ways:<\/p>\n<p>\ud83d\udcdeEmergency Hotline: (02) 8708-7087 (24\/7 available)<br \/>\n\u2709\ufe0f encrypted mailbox:<a href=\"mailto:bsp-incident@bsp.gov.ph\">bsp-incident@bsp.gov.ph<\/a> (PGP Key ID: BSP2023-SOC)<\/p>","protected":false},"excerpt":{"rendered":"<p>Common Error Reporting and Troubleshooting Methods for Payment Systems in the Philippines Common Error Codes and Meanings E10...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-2792","post","type-post","status-publish","format-standard","hentry","category-32"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u5e38\u89c1\u62a5\u9519\u4e0e\u6392\u67e5\u65b9\u6cd5 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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