Zoho Books Online Payment Error (CP Codes)

How to fix it

// try these in order, the most common fix is first

1. FIX 1Reconnect the gateway

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   1. 01Go to Settings > Integrations > Online Payments
   2. 02Re-enter the gateway credentials or reconnect Stripe
   3. 03Make sure the gateway is enabled on the invoice before sending
   Did this fix it? Yes No

2. FIX 2Fix address verification

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   1. 01Go to Settings > Integrations > Card Verification Settings
   2. 02Enable the address fields so customers enter a billing address
   Did this fix it? Yes No

3. FIX 3Check amount and currency

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   1. 01Make sure the amount due meets the gateway minimum
   2. 02Use a gateway that supports the invoice currency or change the invoice currency
   Did this fix it? Yes No

4. FIX 4Other codes

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   1. 01CP1003: confirm the customer still exists
   2. 02CP3001: enable reference transactions in your merchant account
   3. 03CP3003: review fraud filters in the gateway dashboard
   4. 04CP3005: wait a few minutes between similar payments
   Did this fix it? Yes No

Symptoms

Customer sees an error code when paying from the portal or invoice link, Pay with Stripe button does nothing, 'payment gateways have not been set up yet'.

Why it happens

• C-01CP1003: payment link tied to a deleted customer
• C-02CP3001: merchant account not enabled for reference transactions
• C-03CP3002: invalid gateway credentials or changed merchant account
• C-04CP3003: gateway fraud filters declined it
• C-05CP3004: address could not be verified
• C-06CP3005: similar payment within minutes
• C-07CP4001: amount below gateway minimum after discounts or credits
• C-08CP4003: gateway does not support the invoice currency

// this guide also covers

• zoho books payment gateway error
• zoho books stripe not working
• zoho books cp3002
• payment gateways have not been set up yet zoho

The same problem in other apps

All not loading, error messages & connection guides →

• QuickBooks Bank Error 102 and 105 (QuickBooks)
• Xero File Upload Not Working (Xero)
• FreshBooks Bank Connection Not Working (FreshBooks)
• Wave Bank Connection Not Working (Wave)

Other Zoho Books errors

• Zoho Books Bank Feeds Not Updating
• Zoho Books Balance Doesn't Match Bank
• Zoho Books Invoice Emails Going to Spam
• Zoho Books Bank Statement Import Error
• Zoho Books CRM Sync Not Working
• Zoho Books Sales Tax Not Calculating
• Zoho Books Free Plan Limits ($50K Revenue)
• How to Cancel Zoho Books Subscription