I\'m creating a RESTful API that will process a number of user interactions, including placing orders using stored credit cards.
In the case of a successful order, I
You should use 400 for business rules. Don't return 2xx if the order was not accepted. HTTP is an application protocol, never forget that. If you return 2xx the client can assume the order was accepted, regardless of any information you send in the body.
One common mistake that some web services make is to return a status code that reflects success (status codes from 200 to 206 and from 300 to 307) but include a message body that describes an error condition. Doing this prevents HTTP-aware software from detecting errors. For example, a cache will store it as successful response and serve it to subsequent clients even when clients may be able to make a successful request.
I'll leave it to you to decide between 4xx and 5xx, but you should use an error status code.