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The checkout API returns error codes when operations fail. The most common codes are listed below.

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Error codes

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Common failure scenarios

The reference number does not match any active checkout route pattern. Verify your route pattern in BPAY → Routes → Checkout (e.g. SAMPLE* matches SAMPLE-12345).
Payment sessions expire after 10 minutes. If the customer does not complete payment within this window, they must restart the checkout flow.
The customer may see a payment failure screen if the mobile money transaction is declined or times out. Your callback will receive status: "failed".
HTTP 404 — no payment method has been set for your account or route. Contact Beem support to configure payment methods.