64012: Pay: Payment Gateway rejected the card.

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.

• 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.

• 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.

• TwiML Voice: <Pay>
• Payments subresource
• How to capture your first payment using <Pay>