# Payments API MOTO transactions return GENERIC\_DECLINE, same card succeeds in Virtual Terminal **URL:** \ **Category:** Questions\ **Tags:** payments-api\ **Created:** [October 14, 2026, 9:22pm UTC](https://developer.squareup.com/forums/t/payments-api-moto-transactions-return-generic-decline-same-card-succeeds-in-virtual-terminal/28208 "2026-10-14T21:22:25Z")\ **Posts on this page:** 2\ **Page:** 1
**Author:** ![Snaplock](https://avatars.discourse-cdn.com/v4/letter/s/3be4f8/32.png) [@Snaplock](https://developer.squareup.com/forums/u/Snaplock)\ **Post date:** [October 14, 2026, 9:22pm UTC](https://developer.squareup.com/forums/t/payments-api-moto-transactions-return-generic-decline-same-card-succeeds-in-virtual-terminal/28208/1 "2026-10-14T21:22:25Z")
We have a custom internal Pipedrive integration using Square Web Payments SDK and the Payments API for telephone orders. Keyed MOTO API payments are returning GENERIC\_DECLINE, while the exact same card and amount succeed minutes later through Square Virtual Terminal. Failed Payment IDs: XBxn4HA3dKKqwW3nKDrZxYathfOZY xyFsmT0sRpFL4EYvjNj7DRgEQIGZY Can Square Developer Support review these Payment IDs? ---
**Author:** ![helner-square](https://avatars.discourse-cdn.com/v4/letter/h/d9b06d/32.png) [@helner-square](https://developer.squareup.com/forums/u/helner-square)\ **Post date:** [October 15, 2026, 1:39pm UTC](https://developer.squareup.com/forums/t/payments-api-moto-transactions-return-generic-decline-same-card-succeeds-in-virtual-terminal/28208/3 "2026-10-15T13:39:37Z")
Hi @Snaplock Both of these failed payment attempts show a`VOICE_FAILURE` authorization response, which indicates the card issuer requested voice contact with the cardholder which failed or was not fulfilled. As MOTO payments there might be a chance that the card issuer would take extra precautions to ensure the transaction is authorized. The customer should contact their issuing bank about the declined authorization because it seems to be coming from the card issuer side.