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Pay By Bank

Pay by Bank API

Error response codes offer suggestions to help you debug issues as a result of wrongly formatted requests that cause errors. See the following errors and reasons taxonomy for applicable payment errors that contain available reason codes.

Pay by Bank Error code
Error code HTTP Code Error Type Description
10001 400 Mandatory field missing Ensure all mandatory fields are included: externalUserId, consentType, and country. If using query parameters, include the view parameter.
10002 400 Minimum length violation Check the field's minimum length requirement. Minimum lengths vary by field: 1, 2, 6, 32, or 36 characters as specified in the error.
10003 400 Maximum length violation Check the field's maximum length requirement. Maximum lengths vary by field: 5, 36, or 128 characters as specified in the error. If the error mentions consentId, verify it is valid and within length constraints.
10004 400 Bad value The field value does not match the required pattern or format (for example, ^[A-Z]{2}$).
10100 400 Minimum value violation The numeric value is below the minimum allowed.
10101 400 Maximum value violation The numeric value exceeds the maximum allowed.
10102 400 Range violation The value is outside the allowed range.
10103 400 Bad format / Maximum length violation The field value is not in the expected format, or the field value exceeds maximum length.
10104 400 Bad value

The field value is not one of the supported values. Supported values by field: 

  • emailType (PERSONAL, BUSINESS, OTHER, UNKNOWN)
  • phoneNumberType (PHONE, MOBILE, BUSINESS, OTHER)
  • locale for US (en_US)
  • locale for EMEA (use allowed locales from client profile/platform)
  • consentType for US (ACCOUNT_INFORMATION)
  • consentType for EMEA (ACCOUNT_CHECK, BALANCE_CHECK, TRANSACTIONS)
  • country for US (allowed US country from client profile)
  • country for EMEA (allowed countries from client profile)
10105 400 Unexpected field The request contains a field that is not part of the API schema.
10106 400 Idempotency check failure Do not reuse the Idempotency Key across different payloads of this operation.
10199 400 Other An error occurred. Review the error details for more information.
11400 400 Business validation The financial institution token is invalid or expired.
11401 400 Business validation The financial institution requires additional information from the user.
11402–11403 400 Business validation The user provided incorrect answers to security questions.
11404 400/401 Authentication failure / Business validation Authentication failed, or the account migrated from a legacy connection to an OAuth connection.
11405 400 Business validation The account is invalid and cannot be recovered.
11406 400 Business validation Connection to the financial institution is not supported.
11407 400 Business validation The account routing number was not found.
11408 400 Business validation Account details were not found.
11409 400 Business validation The available balance has not been captured yet.
11410 403 Security failure Authorization failed.
11411 403 Security failure Connection to the financial institution is not supported.
11412 401 Authentication failure The financial institution blocked the user.
11415 401 Authentication failure The maximum limit was exceeded.
11900 400 Business validation The user canceled the consent.
11901 400 Business validation The user declined the consent.
11902 400 Business validation The provider is unavailable in this market. Contact support for assistance.
11903 400 Business validation The balances option is not supported for the Manual Connect flow.
11904 200/400 Business validation Parties data is not available for the Manual Connect flow.
11905 200/400 Business validation The allowed time for Micro Deposit confirmation expired.
11906 200/400 Business validation Micro Deposit confirmation attempts are exhausted.
12400 401 Authentication failure The authentication flow was canceled.
12401 401 Authentication failure The authentication flow timed out.
12402 401 Authentication failure The session expired or timed out.
12970 503 System error The API is currently unavailable. Try again later.
12971–12975 503 System error The API is currently unavailable. Try again later.
13000 400 Uncategorized error An error occurred. Review the error details for more information.
14000 401/403 Authentication failure / Security failure The client could not be authenticated, the client is forbidden from accessing the requested resource, the client profile is invalid, or the application is not entitled to Pay by Bank.