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Errors use an HTTP status code and a JSON body. 
{
  "status_code": 400,
  "error_message": "Validation failed"
}
StatusMeaning
400Invalid request or business rule error
401Missing or invalid credentials
403Authenticated user does not have permission
404Resource not found
409State conflict
420Insufficient balance
429Rate limit exceeded
Log the HTTP status, request id if present, endpoint, and sanitized request metadata. Do not log API keys, tokens, full card data, or customer secrets.