API Error Codes

Error Code	Description
ERR_ACCOUNT_ALREADY_REGISTERED	Account already registered
ERR_ACCOUNT_AUTH_REQUIRED	Account authorization required
ERR_ACCOUNT_BALANCE_THRESHOLD	Account balance insufficient
ERR_ACCOUNT_BALANCE_UNAVAILABLE	Account balance unavailable
ERR_ACCOUNT_CLOSED	Account frozen
ERR_ACCOUNT_FAILED_IDENTITY_MATCH_LIMIT_EXCEEDED	Account identity match failure limit exceeded
ERR_ACCOUNT_FROZEN	Account frozen
ERR_ACCOUNT_LIMIT_EXCEEDED	Activity limit exceeded
ERR_ACCOUNT_NAME_MATCH_UNAVAILABLE	Account name match unavailable
ERR_ACCOUNT_NAME_MISMATCH	Account name mismatch
ERR_ACCOUNT_NOT_ADDED	We were unable to add your account at this time
ERR_ACCOUNT_PROVIDER_MISMATCH	Account invalid for provider
ERR_ACCOUNT_PROVIDER_NOT_ENABLED	Payer not enabled for Account Provider
ERR_ACCOUNT_RE_AUTH_REQUIRED	Account re-authorization required
ERR_ACCOUNT_RISK_BANK_BALANCE_THRESHOLD	Account bank risk exceeded and balance insufficient
ERR_ACCOUNT_RISK_LEVEL_NOT_CONFIGURED	Account risk level not configured
ERR_ACCOUNT_RISK_METRICS_UNAVAILABLE	Account risk detail unavailable
ERR_ACCOUNT_RISK_THRESHOLD	Account risk threshold exceeded
ERR_ACCOUNT_SHARING_LIMIT_EXCEEDED	Account sharing limit exceeded
ERR_ACCOUNT_TYPE_RESTRICTED	Account type restricted
ERR_ACCOUNT_VELOCITY_LIMIT	Account velocity limit exceeded
ERR_ACCOUNT_WIDGET_UNAVAILABLE	Account widget unavailable
ERR_ACH_RETRY_ATTEMPTS_EXHAUSTED	ACH retry attempts exhausted
ERR_ACH_RETURN	(custom message created when referenced)
ERR_ADDRESS_REQUIRED	Address required for card validation
ERR_AFT_DECLINE	(custom message created when referenced)
ERR_AFT_RETRY_DENIED	Transaction denied due to recent AFT decline
ERR_BANK_ACCOUNT_BLOCKED	Bank account blocked due to chargebacks
ERR_BANK_ACCOUNT_LIMIT	Maximum bank accounts per user exceeded
ERR_BANK_ACCOUNT_R03	R03: No Account/Unable to Locate Account
ERR_BANK_ACCOUNT_USER_BLOCKED	User blocked due to chargebacks
ERR_BANK_ACCOUNT_VALIDATION	Error validating Bank Account
ERR_BIN_BLOCKED	Card BIN blocked
ERR_CARD_ACCOUNT_EXPIRED	Card expired
ERR_CARD_INELIGIBLE	Card ineligible
ERR_CARD_PAV_BLOCKED	Card verification blocked due to too many attempts
ERR_CARD_PAV_CVV_FAILURE	Card CVV invalid
ERR_CARD_PAV_ERROR	Unable to verify card account
ERR_CARD_PAV_FAILURE	Card account validation failed
ERR_CARD_PAV_PAN_FAILURE	Card PAN invalid
ERR_CLIENT_ACCESS_PAYER	Client does not have access to payer
ERR_CREDIT_CARD_NOT_SUPPORTED	Credit cards are not supported
ERR_DATE_RANGE_LIMIT	(custom message with dynamic date)
ERR_DUPLICATE_REFERENCE_ID	Duplicate payment request based on Request Reference ID
ERR_EMAIL_IN_USE	Recipient email is assigned to another profile
ERR_INELIGIBLE_RECIPIENT_ACCOUNT	Ineligible account for transaction method
ERR_INSUFFICIENT_FUNDS	Insufficient funds
ERR_INTERNAL_SERVER_ERROR	Internal server error
ERR_INVALID_ACCOUNT_ID	Invalid account ID
ERR_INVALID_ADDRESS_PARAMETERS	Invalid address details
ERR_INVALID_CARD_DETAILS	Invalid card number
ERR_INVALID_COUNTRY	Invalid Country
ERR_INVALID_CURRENCY_CODE	Invalid Currency Code
ERR_INVALID_DATE_FORMAT	Invalid Date
ERR_INVALID_DOB_FORMAT	Invalid DOB format
ERR_INVALID_EMAIL	Invalid email
ERR_INVALID_EXP_DATE	Invalid Expiration Date
ERR_INVALID_NAME	Invalid or missing name fields
ERR_INVALID_ORIGINATING_TRANSACTION_ID	Invalid originating transaction ID
ERR_INVALID_PARAMETER	Missing or invalid request parameters
ERR_INVALID_PAYER_ID	Invalid payer ID
ERR_INVALID_PAYER_INVOICE_ID	Invalid invoice ID
ERR_INVALID_PAYMENT_ID	Invalid payment ID
ERR_INVALID_PAYMENT_REFERENCE_ID	Payment reference ID not found
ERR_INVALID_PAYOUT_METHOD_FOR_ACCOUNT	Invalid transaction method for account
ERR_INVALID_PHONE	Invalid Phone number
ERR_INVALID_RECIPIENT_EMAIL	Invalid recipient email
ERR_INVALID_RECIPIENT_ID	Invalid recipient ID
ERR_INVALID_RECIPIENT_REFERENCE_ID	Recipient reference ID not found
ERR_INVALID_ROUTING_NUMBER	Invalid Routing Number
ERR_INVALID_STATE	Invalid State
ERR_INVALID_TIN	Invalid or missing TIN
ERR_INVALID_TOKEN_ID	Invalid Widget Token ID
ERR_INVALID_TRANSACTION_ID	Invalid transaction ID
ERR_INVALID_TRANSACTION_REFERENCE_ID	Transaction reference ID not found
ERR_INVALID_TRANSACTION_TYPE	Transaction type invalid for method
ERR_INVALID_VERIFICATION_ID	Invalid verification ID
ERR_LOCATION_INVALID	Location ID invalid
ERR_MISSING_ADDRESS	No address for Recipient
ERR_MISSING_RECIPIENT	Missing recipient ID or email
ERR_OCT_DECLINE	(custom message created when referenced)
ERR_OFAC_LIST_MATCH	Cancelled due to OFAC list match
ERR_PARTIAL_AUTH_BELOW_THRESHOLD	Partial auth below threshold
ERR_PAYLOAD_ENCRYPTION_ERROR	(blank or custom message)
ERR_PAYMENT_MAX	Payment amount is greater than max amount
ERR_PAYMENT_NOT_VALID_FOR_WIDGET	Payment already processed
ERR_PAYMENT_OPTION_NOT_FOUND	Payer option not found for Payer
ERR_PAYMENT_STATUS_IMMUTABLE	Payment in immutable status
ERR_PAYMENT_STATUS_NOT_APPLICABLE	Payment status cannot be applied
ERR_PREPAID_ACCOUNT_ACTIVATION_FAILED	Prepaid account for activation failed
ERR_PREPAID_ACCOUNT_AGE_LIMIT	Prepaid minimum age restriction
ERR_PREPAID_ACCOUNT_ERROR	Prepaid account creation error
ERR_PREPAID_ACCOUNT_EXISTS	Prepaid account for Recipient exists
ERR_PREPAID_ACCOUNT_IDV_LOCKED	Prepaid account locked due to failed identity verification, please contact Customer Service
ERR_PREPAID_ACCOUNT_INVALID_ACCOUNT_ACTION	Invalid security code
ERR_PREPAID_ACCOUNT_INVALID_SECURITY_CODE	Invalid security code
ERR_PREPAID_ACCOUNT_PROCESSING	Prepaid account for Recipient is in process of creation
ERR_PREPAID_CARD_NOT_SUPPORTED	Prepaid cards are not supported
ERR_PROVIDER_ACCOUNT_MISCONFIGURATION	Provider account misconfiguration
ERR_PROVIDER_UNAVAILABLE	Provider unavailable
ERR_RECIPIENT_NOT_FOUND	Recipient email not found
ERR_REFERENCE_ID_EXCEEDS_MAXIMUM_LENGTH	Reference ID exceeds maximum length of 16
ERR_REFERENCE_ID_INVALID	Reference ID is required for this request
ERR_REFUND_AMOUNT_EXCEEDED	Refund amount exceeds original transaction amount
ERR_REFUND_INVALID_ORIGINATING_METHOD	Refund not allowed for transaction method
ERR_REFUND_INVALID_ORIGINATING_STATUS	Refund not allowed for transaction status
ERR_RETRIEVING_CARD_DETAILS	Error determining card eligibility
ERR_RETRIEVING_CARD_PAR	Error retrieving card account reference
ERR_SETTLEMENT_REPORT	(custom message created when referenced)
ERR_START_DATE_AFTER_END_DATE	(custom message with dynamic dates)
ERR_START_DATE_IN_FUTURE	(custom message with dynamic date)
ERR_TOKENIZING_CARD	Error validating card details
ERR_TRANSACTION_FAILURE	(custom message created when referenced)
ERR_TRANSACTION_METHOD_NOT_AVAILABLE	Transaction method not available
ERR_TRANSACTION_METHOD_NOT_UNIQUE	Multiple configurations found for transaction method
ERR_TRANSACTION_NOT_INITIATED	Transaction not initiated
ERR_TRANSACTION_RISK_DECLINE	Transaction declined due to risk parameters
ERR_TRANSACTION_RISK_THRESHOLD	Transaction risk threshold exceeded
ERR_TRANSACTION_STATUS_IMMUTABLE	Transaction in immutable status
ERR_TRANSACTION_STATUS_NOT_APPLICABLE	Transaction status cannot be applied
ERR_TRANSACTION_STATUS_UPDATE_FAILED	Transaction status update failed
ERR_UNSUPPORTED_CURRENCY_CODE	Unsupported Currency Code
ERR_USER_EXITED_PLAID	User exited the account linking process in Plaid
ERR_USER_SEGMENT_NOT_FOUND	User Segment not found
ERR_VELOCITY_LIMIT	Transaction failed due to velocity controls
ERR_VERIFICATION_NOT_ENABLED	Payer not enabled for TIN Verification

Apple Pay

📘
This section is subject to change. Apple Pay support is under development. Error codes can change until the integration is finalized.

These errors apply to the two Apple Pay endpoints. The new Apple Pay codes are also in the table above. Apple Pay transactions also return the standard errors above. A network decline returns ERR_AFT_DECLINE (AFT) or ERR_OCT_DECLINE (OCT) with HTTP 200.

Create Apple Pay Transaction

Error Code	Description
ERR_DIGITAL_WALLET_PAYLOAD_INVALID	A catch-all for a bad Apple Pay token. The request body is missing or not valid JSON, `apple_payment_data` is absent or malformed, the token version or type is unsupported (only `EC_v1` and `3DSecure` are accepted), or Apple's signature is not valid. Returned with HTTP `400`.
ERR_DIGITAL_WALLET_TOKEN_EXPIRED	Apple signed the token more than 5 minutes before Interchecks received it. Your customer must authorize again. Returned with HTTP `400`.
ERR_DIGITAL_WALLET_NO_MATCHING_CERTIFICATE	Apple's signature is valid, but the token is encrypted to a certificate Interchecks does not hold in this environment. You cannot retry this. Returned with HTTP `500`.
ERR_DIGITAL_WALLET_DECRYPTION_FAILED	Interchecks could not decrypt the token. You cannot retry this. Returned with HTTP `500`.
ERR_DIGITAL_WALLET_INTERNAL_ERROR	Unexpected failure processing the token. Returned with HTTP `500`.
ERR_INVALID_CURRENCY_CODE	The currency in Apple's token is not USD. Returned with HTTP `400`.
ERR_INVALID_PARAMETER	A request field is missing or invalid, including a missing or incomplete `billingContact`, an AFT without `location.ip_address`, an AFT whose token has no cryptogram, an `amount` of 0 or less, a `reference_id` over 50 characters, or a `memo` over 255 characters. The message names each failing field. Returned with HTTP `400`.
ERR_INVALID_ADDRESS_PARAMETERS	The billing address is not a valid US address. Returned with HTTP `400`.
ERR_APPLE_PAY_NOT_ENABLED	Your account is not enabled for Apple Pay. Returned with HTTP `403`.

A resent Apple Pay token, with the same Apple transactionId, returns the existing 409 idempotent replay. It has no separate error code.

Merchant Validation

Error Code	Description
ERR_INVALID_PARAMETER	`domain_name` is missing or blank, or the request body is not valid JSON. Returned with HTTP `400`.
ERR_APPLE_PAY_NOT_ENABLED	Your account is not enabled for Apple Pay. Returned with HTTP `403`.
ERR_APPLE_PAY_DOMAIN_NOT_REGISTERED	`domain_name` is not registered on your Apple Pay settings. Returned with HTTP `400`.
ERR_APPLE_PAY_DOMAIN_NOT_VERIFIED	Apple rejected the session request. Usually the domain is not verified with Apple, for example because the domain-verification file is not hosted on it. Returned with HTTP `422`.
ERR_PROVIDER_ACCOUNT_MISCONFIGURATION	Apple rejected the Interchecks certificate or platform setup. You cannot retry this. Returned with HTTP `500`.
ERR_PROVIDER_UNAVAILABLE	Apple Pay is not configured in this environment, Apple returned an error, or Apple timed out or could not be reached. Returned with HTTP `502` or `503`. A `503` is safe to retry.

{/ APPLE PAY SECTION END /