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Errors are shaped so you can act on them.
A refusal and an outage are different
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What a status code means here
Chosen deliberately, because a caller retries on some of these and not others.
402 — declined
The processor answered and said no. Retrying the same card will fail the same way; the caller should ask for another.503 — not configured
Nothing is wrong with the request. A credential is missing on our side, so a retry later may well succeed.500 — handler failed
We could not process what you sent. Webhook senders should retry; acknowledging an event we failed to handle would lose it.400 — malformed
Including a signature that did not verify. Retrying unchanged will not help.