| 1003 | Multiple failures within 30 minutes. Kindly refer to the previous reason, contact the user to change the card or retry later. | ”Previous reason” refers to the reason for the last two failures. Decide whether to retry or change card accordingly. |
| 1004 | Wallet limit exceeded, kindly contact user to upgrade or restore limit. | Daily/monthly/yearly wallet limit exceeded (EP/JZ) |
| 1005 | Transaction amount exceeds limit, kindly retry within allowed range. | Amount limit exceeded (e.g., range is 100–50000) |
| 1006 | Wallet account frozen, kindly contact user to change card and retry. | Wallet restricted by risk control (frozen, dormant, temporary hold) |
| 1007 | Wallet account abnormal, kindly contact user to verify account and retry. | Incorrect wallet info (e.g., wrong card number or CNIC, unverified) |
| 1008 | Request field error, kindly verify and retry. | Technical parameter error, not as per documentation |
| 1009 | Channel request error, technicians will fix ASAP. | System under maintenance |
| 1010 | Unstable network, kindly retry later. | Network fluctuation |
| 1011 | Parameter validation error, kindly verify and retry. | Technical parameter error, not as per documentation |
| 1012 | Payment method error, kindly select the right way and try again. | Distinguish between wallet and bank account |
| 1013 | Invalid receiver information, kindly verify and retry. | Invalid user input |
| 1014 | Account inexist or CNIC mismatch, kindly verify or register wallet then retry. | Incorrect wallet info (e.g., wrong card number or CNIC, unverified) |
| 1015 | Insufficient balance, kindly contact user to recharge and retry. | Not enough balance |
| 9999 | Others | Unknown issue due to insufficient info from the bank |