422
providers.retriableprovidersRule R2The provider is temporarily unavailable
The provider's adapter reported a failure it classified as temporary — a timeout, a 5xx, a connection reset. paygate surfaces it as providers.retriable precisely so the caller can fail over rather than treat it as a decline.
Why the API refuses
WHEN CreateInstrument is executed, THE SYSTEM SHALL call the adapter bound to provider_code with the resolved credential and the idempotency key and register the returned provider_ref for callback routing; IF the adapter reports a retriable failure THEN THE SYSTEM SHALL reject with providers.retriable so the caller can fail over.
What to do
You will usually see payments.provider_unavailable instead, because payments already fails over across the route for you. If you are calling a provider operation directly: back off and retry with the same idempotency key, and do not count the attempt as a payer decline.