diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/analytics/NaviPayAnalytics.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/analytics/NaviPayAnalytics.kt
index 8eeda3650e..7365138673 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/analytics/NaviPayAnalytics.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/analytics/NaviPayAnalytics.kt
@@ -3632,6 +3632,7 @@ class NaviPayAnalytics private constructor() {
         }
 
         fun onResetUpiPinClicked(
+            errorCode: String,
             source: SendMoneyScreenSource,
             transactionType: UpiTransactionType,
             naviPaySessionAttributes: Map<String, String>,
@@ -3647,11 +3648,15 @@ class NaviPayAnalytics private constructor() {
                             naviPaySessionAttributes["naviPaySessionId"].orEmpty(),
                         "naviPayCustomerStatusMap" to
                             naviPaySessionAttributes["naviPayCustomerStatusMap"].orEmpty(),
+                        "errorCode" to errorCode,
                     ),
             )
         }
 
-        fun onPaymentFailedRetryAddAccountClicked(naviPaySessionAttributes: Map<String, String>) {
+        fun onPaymentFailedRetryAddAccountClicked(
+            naviPaySessionAttributes: Map<String, String>,
+            errorCode: String,
+        ) {
             NaviTrackEvent.trackEventOnClickStream(
                 eventName = "NaviPay_SendMoney_Payment_Failed_BottomSheet_AddAccount_Clicked",
                 eventValues =
@@ -3660,12 +3665,14 @@ class NaviPayAnalytics private constructor() {
                             naviPaySessionAttributes["naviPaySessionId"].orEmpty(),
                         "naviPayCustomerStatusMap" to
                             naviPaySessionAttributes["naviPayCustomerStatusMap"].orEmpty(),
+                        "errorCode" to errorCode,
                     ),
             )
         }
 
         fun onPaymentFailedRetryPayViaAnotherAccountClicked(
-            naviPaySessionAttributes: Map<String, String>
+            naviPaySessionAttributes: Map<String, String>,
+            errorCode: String,
         ) {
             NaviTrackEvent.trackEventOnClickStream(
                 eventName =
@@ -3676,11 +3683,15 @@ class NaviPayAnalytics private constructor() {
                             naviPaySessionAttributes["naviPaySessionId"].orEmpty(),
                         "naviPayCustomerStatusMap" to
                             naviPaySessionAttributes["naviPayCustomerStatusMap"].orEmpty(),
+                        "errorCode" to errorCode,
                     ),
             )
         }
 
-        fun onPaymentFailedRetryOkayGotItClicked(naviPaySessionAttributes: Map<String, String>) {
+        fun onPaymentFailedRetryOkayGotItClicked(
+            naviPaySessionAttributes: Map<String, String>,
+            errorCode: String,
+        ) {
             NaviTrackEvent.trackEventOnClickStream(
                 eventName = "NaviPay_SendMoney_Payment_Failed_BottomSheet_OkayGotIt_Clicked",
                 eventValues =
@@ -3689,11 +3700,15 @@ class NaviPayAnalytics private constructor() {
                             naviPaySessionAttributes["naviPaySessionId"].orEmpty(),
                         "naviPayCustomerStatusMap" to
                             naviPaySessionAttributes["naviPayCustomerStatusMap"].orEmpty(),
+                        "errorCode" to errorCode,
                     ),
             )
         }
 
-        fun onPaymentFailedRetryCrossIconClicked(naviPaySessionAttributes: Map<String, String>) {
+        fun onPaymentFailedRetryCrossIconClicked(
+            naviPaySessionAttributes: Map<String, String>,
+            errorCode: String,
+        ) {
             NaviTrackEvent.trackEventOnClickStream(
                 eventName = "NaviPay_SendMoney_Payment_Failed_BottomSheet_CrossIcon_Clicked",
                 eventValues =
@@ -3702,11 +3717,15 @@ class NaviPayAnalytics private constructor() {
                             naviPaySessionAttributes["naviPaySessionId"].orEmpty(),
                         "naviPayCustomerStatusMap" to
                             naviPaySessionAttributes["naviPayCustomerStatusMap"].orEmpty(),
+                        "errorCode" to errorCode,
                     ),
             )
         }
 
-        fun onPaymentFailedRetryRetryClicked(naviPaySessionAttributes: Map<String, String>) {
+        fun onPaymentFailedRetryRetryClicked(
+            naviPaySessionAttributes: Map<String, String>,
+            errorCode: String,
+        ) {
             NaviTrackEvent.trackEventOnClickStream(
                 eventName = "NaviPay_SendMoney_Payment_Failed_BottomSheet_Retry_Clicked",
                 eventValues =
@@ -3715,11 +3734,15 @@ class NaviPayAnalytics private constructor() {
                             naviPaySessionAttributes["naviPaySessionId"].orEmpty(),
                         "naviPayCustomerStatusMap" to
                             naviPaySessionAttributes["naviPayCustomerStatusMap"].orEmpty(),
+                        "errorCode" to errorCode,
                     ),
             )
         }
 
-        fun onPaymentFailedRetryCheckBalanceClicked(naviPaySessionAttributes: Map<String, String>) {
+        fun onPaymentFailedRetryCheckBalanceClicked(
+            naviPaySessionAttributes: Map<String, String>,
+            errorCode: String,
+        ) {
             NaviTrackEvent.trackEventOnClickStream(
                 eventName = "NaviPay_SendMoney_Payment_Failed_BottomSheet_CheckBalance_Clicked",
                 eventValues =
@@ -3728,6 +3751,7 @@ class NaviPayAnalytics private constructor() {
                             naviPaySessionAttributes["naviPaySessionId"].orEmpty(),
                         "naviPayCustomerStatusMap" to
                             naviPaySessionAttributes["naviPayCustomerStatusMap"].orEmpty(),
+                        "errorCode" to errorCode,
                     ),
             )
         }
diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/ui/SendMoneyBottomSheetContent.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/ui/SendMoneyBottomSheetContent.kt
index 01b28a3533..f858204664 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/ui/SendMoneyBottomSheetContent.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/ui/SendMoneyBottomSheetContent.kt
@@ -242,17 +242,20 @@ fun SendMoneyBottomSheetContent(
                     when (ctaType) {
                         PaymentFailedErrorBottomSheetDismissCtaType.RETRY -> {
                             naviPayAnalytics.onPaymentFailedRetryRetryClicked(
-                                naviPaySessionAttributes = naviPaySessionAttributes
+                                naviPaySessionAttributes = naviPaySessionAttributes,
+                                errorCode = bottomSheetType.errorCode,
                             )
                         }
                         PaymentFailedErrorBottomSheetDismissCtaType.OKAY_GOT_IT -> {
                             naviPayAnalytics.onPaymentFailedRetryOkayGotItClicked(
-                                naviPaySessionAttributes = naviPaySessionAttributes
+                                naviPaySessionAttributes = naviPaySessionAttributes,
+                                errorCode = bottomSheetType.errorCode,
                             )
                         }
                         PaymentFailedErrorBottomSheetDismissCtaType.CROSS_BUTTON -> {
                             naviPayAnalytics.onPaymentFailedRetryCrossIconClicked(
-                                naviPaySessionAttributes = naviPaySessionAttributes
+                                naviPaySessionAttributes = naviPaySessionAttributes,
+                                errorCode = bottomSheetType.errorCode,
                             )
                         }
                     }
@@ -263,13 +266,15 @@ fun SendMoneyBottomSheetContent(
                 sendMoneyScreenSource = sendMoneyScreenSource,
                 onAddAccountClicked = {
                     naviPayAnalytics.onPaymentFailedRetryAddAccountClicked(
-                        naviPaySessionAttributes = naviPaySessionAttributes
+                        naviPaySessionAttributes = naviPaySessionAttributes,
+                        errorCode = bottomSheetType.errorCode,
                     )
                     onAddAccountClicked()
                 },
                 onPayViaAnotherAccountClicked = {
                     naviPayAnalytics.onPaymentFailedRetryPayViaAnotherAccountClicked(
-                        naviPaySessionAttributes = naviPaySessionAttributes
+                        naviPaySessionAttributes = naviPaySessionAttributes,
+                        errorCode = bottomSheetType.errorCode,
                     )
                     onMoreAccountsClick(SEND_MONEY_PAYMENT_FAILED_MORE_ACCOUNTS)
                 },
@@ -277,7 +282,8 @@ fun SendMoneyBottomSheetContent(
                 selectedBankAccount = selectedBankAccount,
                 onCheckBalanceClicked = { accountId ->
                     naviPayAnalytics.onPaymentFailedRetryCheckBalanceClicked(
-                        naviPaySessionAttributes = naviPaySessionAttributes
+                        naviPaySessionAttributes = naviPaySessionAttributes,
+                        errorCode = bottomSheetType.errorCode,
                     )
                     sendMoneyViewModel.onCheckBalanceClicked(accountId)
                 },
diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/util/SendMoneyUtils.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/util/SendMoneyUtils.kt
index f55d43b9da..0868261eec 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/util/SendMoneyUtils.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/util/SendMoneyUtils.kt
@@ -174,6 +174,7 @@ sealed class SendMoneyBottomSheetType {
     data object MerchantFeeInfoBottomSheet : SendMoneyBottomSheetType()
 
     data class PaymentFailedRetryBottomSheet(
+        val errorCode: String,
         val errorBucket: PaymentRetryErrorBucket,
         val isPaymentThroughLite: Boolean,
     ) : SendMoneyBottomSheetType()
diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
index 9fc5ed5584..a0522f7193 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
@@ -459,6 +459,8 @@ constructor(
 
     private var naviPayDefaultConfig = NaviPayDefaultConfig()
 
+    private var paymentFailedErrorCode: String = EMPTY
+
     private val isQrFromUploadImage =
         if (source is SendMoneyScreenSource.ScanAndPay) {
             source.qrData.isQrFromUploadImage
@@ -1151,6 +1153,7 @@ constructor(
                 source = source,
                 naviPaySessionAttributes = getNaviPaySessionAttributes(),
                 transactionType = transactionType,
+                errorCode = paymentFailedErrorCode,
             )
 
             naviPayPspManager.evaluateAndOnboardPspForFlow(
@@ -2937,12 +2940,15 @@ constructor(
             return
         }
 
+        paymentFailedErrorCode = response.errors?.getOrNull(0)?.code.orEmpty()
+
         /** is a valid error bucket, show payment failed retry bottom sheet */
         updateBottomSheetUIState(
             showBottomSheet = true,
             bottomSheetStateChange = true,
             bottomSheetUIState =
                 SendMoneyBottomSheetType.PaymentFailedRetryBottomSheet(
+                    errorCode = paymentFailedErrorCode,
                     errorBucket = errorBucket,
                     isPaymentThroughLite = isPaymentThroughLite,
                 ),