Two decline reasons
The purpose of this document is to descibe the possible decline reasons privided in the response ofPOST /order, POST /order_intent and POST /customer in greater detail.Enums and descriptions
Note: The Use Credit Builder column highlights decline cases where you can direct your buyer to our Credit Builder. This allows the buyer's company to request a credit limit increase, helping resolve declines caused by insufficient credit.
| Enum | Description | Resolution | Use Credit Builder |
|---|---|---|---|
| TOO_HIGH_RISK | The order was deemed too risky to approve, possibly due to the buyer's credit history or the nature of the transaction. | This is not a credit decline. We advise against allowing this buyer to proceed. If you believe the buyer has been wrongly profiled, please contact our support team. | ❌ |
| BUYER_LIMIT_EXCEEDED | The buyer has exceeded their system-defined credit limit due to outstanding balances or excessive orders. | Orders cannot exceed the buyer’s company credit limit. Adjust the order to fit within the allowed limit. | ✅ |
| BUYER_NOT_FOUND | Our system could not locate the buyer’s information, possibly due to an unregistered buyer or incorrect details. | Review the provided buyer details to ensure the company registration number and address are valid. | ❌ |
| BUYER_ADDRESS_DEVIATION | The buyer’s provided address does not match the one on record, which may indicate fraud or a data entry error. | Verify the order’s shipping address against the registered billing address. | ❌ |
| BUYER_INFO_INCONSISTENT | Inconsistencies were detected in the buyer’s information, such as mismatches in name, address, or other key details. | Review and update the buyer’s company details to ensure accuracy. | ❌ |
| BUYER_AUTHENTICATION_FAILED | The buyer failed our verification process. | Contact the buyer to determine if they need to retry verification or if they are experiencing issues. | ❌ |
| FRAUD_CHECK_NOT_PASSED | The transaction failed our fraud detection checks. | Two has flagged this buyer or order as potentially fraudulent. If you believe this is incorrect, please contact our support team. | ❌ |
| CREDIT_CHECK_FAILED | An error occurred during the credit check, which will be monitored and investigated. | Internal issue. Please escalate to our support team. | ❌ |
| EXCEPTION | An unusual situation occurred that does not fit into standard rejection categories. | Internal issue. This will be flagged for further investigation. | ❌ |
| SERVICE_UNAVAILABLE | Our service was temporarily unavailable when the order was placed, likely due to system maintenance or technical issues. | Monitor https://status.two.inc for updates on service restoration. | ❌ |
| BUYER_IN_ARREARS | The buyer has overdue debt that must be cleared before proceeding. | Engage with the buyer to encourage repayment of outstanding invoices with Two. | ❌ |
| DECLINED_IN_VERIFICATION | The order was declined by the risk engine after verification, most likely due to fraud concerns. | Two has flagged this buyer or order as potentially fraudulent. If you believe this is incorrect, please contact our support team. | ❌ |
| UNDEFINED | The reason for rejection is unclear or not specified. This should not typically occur. | Edge case requiring internal investigation. Please report to our support team. | ❌ |
| INVALID_LEGAL_REP | The legal representative of the buyer’s company is not recognized or is invalid. | The order was declined due to an invalid legal representative. If you believe this is incorrect, please contact our support team. | ❌ |
| ORDER_EXCEEDS_MAX_INVOICE_AMOUNT | The total order amount exceeds the maximum invoice value we can process. | Adjust the order to stay within the maximum allowable value. | ✅ |
| INVALID_ORDER_DATA_TOTAL_AMOUNT_MISMATCH | The total order amount does not match our calculations or expected values. | Adjust the order’s gross, net, and tax totals to align with the line items. | ❌ |
| INVALID_ORDER_LINE_ITEM_DATA_AMOUNT_MISMATCH | There is a mismatch between the individual line item amounts and the total order amount. | Adjust the order’s gross, net, and tax totals to ensure they match the line items. | ❌ |
| MERCHANT_LIMIT_EXCEEDED | The merchant has exceeded their credit or transaction limit with our service. | The merchant’s exposure is too high. Encourage buyers to make timely repayments. | ❌ |
| ORDER_BELOW_MIN_INVOICE_AMOUNT | The total order amount is below the minimum invoice threshold. | Increase the order amount to meet the minimum requirement. | ❌ |
| ORDER_EXCEEDS_MAX_INVOICE_AMOUNT | The order amount exceeds the maximum invoice threshold. | Reduce the order amount to comply with the limit. | ❌ |
| BUYER_NOT_SUPPORTED | The buyer’s region, industry, category, or type is not supported by our service. | Ensure the buyer's company location and currency match our supported criteria. If the order still fails, the region is likely unsupported. | ❌ |