diff --git a/app/modules/loyalty/static/store/js/loyalty-terminal.js b/app/modules/loyalty/static/store/js/loyalty-terminal.js
index 688e0f7e..e6dcc314 100644
--- a/app/modules/loyalty/static/store/js/loyalty-terminal.js
+++ b/app/modules/loyalty/static/store/js/loyalty-terminal.js
@@ -275,7 +275,14 @@ function storeLoyaltyTerminal() {
                 await this.loadRecentTransactions();
 
             } catch (error) {
-                Utils.showToast(I18n.t('loyalty.store.terminal.transaction_failed', {message: error.message}), 'error');
+                // Localise well-known errors by error_code instead of
+                // showing the raw English message from the API.
+                if (error.errorCode === 'POINTS_COOLDOWN' || error.errorCode === 'STAMP_COOLDOWN') {
+                    const minutes = error.details?.cooldown_minutes ?? this.program?.cooldown_minutes ?? '';
+                    Utils.showToast(I18n.t('loyalty.store.terminal.cooldown_wait_minutes', {minutes}), 'warning');
+                } else {
+                    Utils.showToast(I18n.t('loyalty.store.terminal.transaction_failed', {message: error.message}), 'error');
+                }
                 loyaltyTerminalLog.error('Transaction failed:', error);
             } finally {
                 this.processing = false;
diff --git a/static/shared/js/api-client.js b/static/shared/js/api-client.js
index 8d44d57d..a3b5fca4 100644
--- a/static/shared/js/api-client.js
+++ b/static/shared/js/api-client.js
@@ -171,6 +171,10 @@ class APIClient {
                 const apiError = new Error(errorMessage);
                 apiError.status = response.status;
                 apiError.errorCode = data.error_code;
+                // Propagate the details payload so callers can localise the
+                // toast (e.g. "cooldown_ends" / "cooldown_minutes" for
+                // POINTS_COOLDOWN / STAMP_COOLDOWN).
+                apiError.details = data.details || null;
                 throw apiError;
             }