diff --git a/README.md b/README.md
index aa0d3d0..7bb6ddf 100644
--- a/README.md
+++ b/README.md
@@ -228,6 +228,8 @@ the other three is the **holding's** id, not the token address.
 
 ```ruby
 client.payments.create(params, idempotency_key: nil)  # or keyword fields
+# Reusing a key for DIFFERENT terms raises Rail0::ApiError with code
+# "idempotency_key_reused" (422) instead of returning the first payment.
 client.payments.get(id)
 client.payments.list(status: "authorized", disputed: false, chain_id: 84532, sort: "-created_at")
 client.payments.transactions(id, operation: "capture")
diff --git a/lib/rail0/error_hints.rb b/lib/rail0/error_hints.rb
index 0e11307..a84e879 100644
--- a/lib/rail0/error_hints.rb
+++ b/lib/rail0/error_hints.rb
@@ -46,6 +46,7 @@ module Rail0
     "payment_already_exists" => "a payment with this id already exists on-chain",
     # Ported from rail0-go, which had drifted five codes ahead of this table (#13).
     "unsupported_payment_method" => "the payee (merchant) doesn't accept this token/chain — check the merchant's payment methods",
+    "idempotency_key_reused" => "that Idempotency-Key was already used for a payment with different terms — reuse it only to retry the same request, or pick a new key",
     "unknown_token" => "the token isn't configured on this chain",
     "no_active_contract" => "no active RAIL0 contract on that chain",
     "missing_param" => "a required parameter is missing from the request",