generated: '2026-08-23' method: searched source: https://docs-v2.interchecks.com/docs/api-error-codes docs: - https://docs-v2.interchecks.com/docs/api-error-codes - https://docs-v2.interchecks.com/docs/http-status-codes - https://docs-v2.interchecks.com/reference/about-transactions format: custom-json rfc9457: false note: 'Interchecks publishes a flat registry of symbolic ERR_* error codes returned in a custom JSON envelope. It is not RFC 9457 problem+json: the body is {http_status, error_code, error_message} with content-type application/json. Transaction errors may add a transaction_id, and ACH Funding risk errors add a funding_options_response object carrying the configured threshold and the actual value.' envelope: fields: http_status: integer, mirrors the HTTP status error_code: string, an ERR_* symbol from the registry below error_message: string, human-readable description example: http_status: 422 error_code: ERR_ACCOUNT_BALANCE_THRESHOLD error_message: Account balance insufficient http_status_codes: - status: 102 meaning: Idempotent request is currently processing - status: 200 meaning: Request processed - status: 201 meaning: Request processed and entity created - status: 400 meaning: Bad request due to invalid or missing parameters - status: 401 meaning: Not Authenticated - status: 403 meaning: Not Authorized - status: 404 meaning: Resource or entity not found - status: 405 meaning: Method not implemented - status: 409 meaning: Request conflict, either with the Idempotency-Key or an active record was found - status: 422 meaning: Unprocessable request due to business logic or client configuration - status: 429 meaning: Too many requests in a given amount of time - status: 500 meaning: Unexpected error while processing the request - status: 503 meaning: Service unavailable, request timed out, or maintenance is underway retry_guidance: A 5xx does not always mean the request failed — an error or timeout from a downstream provider can surface as 5xx. Interchecks recommends confirming whether the transaction has processed before retrying. error_code_count: 126 error_codes: - code: ERR_ACCOUNT_ALREADY_REGISTERED message: Account already registered area: account - code: ERR_ACCOUNT_AUTH_REQUIRED message: Account authorization required area: account - code: ERR_ACCOUNT_BALANCE_THRESHOLD message: Account balance insufficient area: account - code: ERR_ACCOUNT_BALANCE_UNAVAILABLE message: Account balance unavailable area: account - code: ERR_ACCOUNT_CLOSED message: Account frozen area: account - code: ERR_ACCOUNT_FAILED_IDENTITY_MATCH_LIMIT_EXCEEDED message: Account identity match failure limit exceeded area: account - code: ERR_ACCOUNT_FROZEN message: Account frozen area: account - code: ERR_ACCOUNT_LIMIT_EXCEEDED message: Activity limit exceeded area: account - code: ERR_ACCOUNT_NAME_MATCH_UNAVAILABLE message: Account name match unavailable area: account - code: ERR_ACCOUNT_NAME_MISMATCH message: Account name mismatch area: account - code: ERR_ACCOUNT_NOT_ADDED message: We were unable to add your account at this time area: account - code: ERR_ACCOUNT_PROVIDER_MISMATCH message: Account invalid for provider area: account - code: ERR_ACCOUNT_PROVIDER_NOT_ENABLED message: Payer not enabled for Account Provider area: account - code: ERR_ACCOUNT_RE_AUTH_REQUIRED message: Account re-authorization required area: account - code: ERR_ACCOUNT_RISK_BANK_BALANCE_THRESHOLD message: Account bank risk exceeded and balance insufficient area: account - code: ERR_ACCOUNT_RISK_LEVEL_NOT_CONFIGURED message: Account risk level not configured area: account - code: ERR_ACCOUNT_RISK_METRICS_UNAVAILABLE message: Account risk detail unavailable area: account - code: ERR_ACCOUNT_RISK_THRESHOLD message: Account risk threshold exceeded area: account - code: ERR_ACCOUNT_SHARING_LIMIT_EXCEEDED message: Account sharing limit exceeded area: account - code: ERR_ACCOUNT_TYPE_RESTRICTED message: Account type restricted area: account - code: ERR_ACCOUNT_VELOCITY_LIMIT message: Account velocity limit exceeded area: account - code: ERR_ACCOUNT_WIDGET_UNAVAILABLE message: Account widget unavailable area: account - code: ERR_ACH_RETRY_ATTEMPTS_EXHAUSTED message: ACH retry attempts exhausted area: ach - code: ERR_ACH_RETURN message: '*(custom message created when referenced)*' area: ach - code: ERR_ADDRESS_REQUIRED message: Address required for card validation area: general - code: ERR_AFT_DECLINE message: '*(custom message created when referenced)*' area: card-funding - code: ERR_AFT_RETRY_DENIED message: Transaction denied due to recent AFT decline area: card-funding - code: ERR_BANK_ACCOUNT_BLOCKED message: Bank account blocked due to chargebacks area: account - code: ERR_BANK_ACCOUNT_LIMIT message: Maximum bank accounts per user exceeded area: account - code: ERR_BANK_ACCOUNT_R03 message: 'R03: No Account/Unable to Locate Account' area: account - code: ERR_BANK_ACCOUNT_USER_BLOCKED message: User blocked due to chargebacks area: account - code: ERR_BANK_ACCOUNT_VALIDATION message: Error validating Bank Account area: account - code: ERR_BIN_BLOCKED message: Card BIN blocked area: card-account - code: ERR_CARD_ACCOUNT_EXPIRED message: Card expired area: account - code: ERR_CARD_INELIGIBLE message: Card ineligible area: card-account - code: ERR_CARD_PAV_BLOCKED message: Card verification blocked due to too many attempts area: card-account - code: ERR_CARD_PAV_CVV_FAILURE message: Card CVV invalid area: card-account - code: ERR_CARD_PAV_ERROR message: Unable to verify card account area: card-account - code: ERR_CARD_PAV_FAILURE message: Card account validation failed area: card-account - code: ERR_CARD_PAV_PAN_FAILURE message: Card PAN invalid area: card-account - code: ERR_CLIENT_ACCESS_PAYER message: Client does not have access to payer area: payer - code: ERR_CREDIT_CARD_NOT_SUPPORTED message: Credit cards are not supported area: card-account - code: ERR_DATE_RANGE_LIMIT message: '*(custom message with dynamic date)*' area: general - code: ERR_DUPLICATE_REFERENCE_ID message: Duplicate payment request based on Request Reference ID area: general - code: ERR_EMAIL_IN_USE message: Recipient email is assigned to another profile area: general - code: ERR_INELIGIBLE_RECIPIENT_ACCOUNT message: Ineligible account for transaction method area: account - code: ERR_INSUFFICIENT_FUNDS message: Insufficient funds area: general - code: ERR_INTERNAL_SERVER_ERROR message: Internal server error area: general - code: ERR_INVALID_ACCOUNT_ID message: Invalid account ID area: account - code: ERR_INVALID_ADDRESS_PARAMETERS message: Invalid address details area: general - code: ERR_INVALID_CARD_DETAILS message: Invalid card number area: card-account - code: ERR_INVALID_COUNTRY message: Invalid Country area: general - code: ERR_INVALID_CURRENCY_CODE message: Invalid Currency Code area: general - code: ERR_INVALID_DATE_FORMAT message: Invalid Date area: general - code: ERR_INVALID_DOB_FORMAT message: Invalid DOB format area: general - code: ERR_INVALID_EMAIL message: Invalid email area: general - code: ERR_INVALID_EXP_DATE message: Invalid Expiration Date area: general - code: ERR_INVALID_NAME message: Invalid or missing name fields area: general - code: ERR_INVALID_ORIGINATING_TRANSACTION_ID message: Invalid originating transaction ID area: recipient - code: ERR_INVALID_PARAMETER message: Missing or invalid request parameters area: general - code: ERR_INVALID_PAYER_ID message: Invalid payer ID area: payer - code: ERR_INVALID_PAYER_INVOICE_ID message: Invalid invoice ID area: payer - code: ERR_INVALID_PAYMENT_ID message: Invalid payment ID area: payment - code: ERR_INVALID_PAYMENT_REFERENCE_ID message: Payment reference ID not found area: payment - code: ERR_INVALID_PAYOUT_METHOD_FOR_ACCOUNT message: Invalid transaction method for account area: account - code: ERR_INVALID_PHONE message: Invalid Phone number area: general - code: ERR_INVALID_RECIPIENT_EMAIL message: Invalid recipient email area: recipient - code: ERR_INVALID_RECIPIENT_ID message: Invalid recipient ID area: recipient - code: ERR_INVALID_RECIPIENT_REFERENCE_ID message: Recipient reference ID not found area: recipient - code: ERR_INVALID_ROUTING_NUMBER message: Invalid Routing Number area: recipient - code: ERR_INVALID_STATE message: Invalid State area: general - code: ERR_INVALID_TIN message: Invalid or missing TIN area: recipient - code: ERR_INVALID_TOKEN_ID message: Invalid Widget Token ID area: general - code: ERR_INVALID_TRANSACTION_ID message: Invalid transaction ID area: transaction - code: ERR_INVALID_TRANSACTION_REFERENCE_ID message: Transaction reference ID not found area: transaction - code: ERR_INVALID*_*TRANSACTION_TYPE message: Transaction type invalid for method area: general - code: ERR_INVALID_VERIFICATION_ID message: Invalid verification ID area: general - code: ERR_LOCATION_INVALID message: Location ID invalid area: general - code: ERR_MISSING_ADDRESS message: No address for Recipient area: general - code: ERR_MISSING_RECIPIENT message: Missing recipient ID or email area: recipient - code: ERR_OCT_DECLINE message: '*(custom message created when referenced)*' area: card-payout - code: ERR_OFAC_LIST_MATCH message: Cancelled due to OFAC list match area: general - code: ERR_PARTIAL_AUTH_BELOW_THRESHOLD message: Partial auth below threshold area: general - code: ERR_PAYLOAD_ENCRYPTION_ERROR message: '*(blank or custom message)*' area: encryption - code: ERR_PAYMENT_MAX message: Payment amount is greater than max amount area: payment - code: ERR_PAYMENT_NOT_VALID_FOR_WIDGET message: Payment already processed area: payment - code: ERR_PAYMENT_OPTION_NOT_FOUND message: Payer option not found for Payer area: payment - code: ERR_PAYMENT_STATUS_IMMUTABLE message: Payment in immutable status area: payment - code: ERR_PAYMENT_STATUS_NOT_APPLICABLE message: Payment status cannot be applied area: payment - code: ERR_PREPAID_ACCOUNT_ACTIVATION_FAILED message: Prepaid account for activation failed area: account - code: ERR_PREPAID_ACCOUNT_AGE_LIMIT message: Prepaid minimum age restriction area: account - code: ERR_PREPAID_ACCOUNT_ERROR message: Prepaid account creation error area: account - code: ERR_PREPAID_ACCOUNT_EXISTS message: Prepaid account for Recipient exists area: account - code: ERR_PREPAID_ACCOUNT_IDV_LOCKED message: Prepaid account locked due to failed identity verification, please contact Customer Service area: account - code: ERR_PREPAID_ACCOUNT_INVALID_ACCOUNT_ACTION message: Invalid security code area: account - code: ERR_PREPAID_ACCOUNT_INVALID_SECURITY_CODE message: Invalid security code area: account - code: ERR_PREPAID_ACCOUNT_PROCESSING message: Prepaid account for Recipient is in process of creation area: account - code: ERR_PREPAID_CARD_NOT_SUPPORTED message: Prepaid cards are not supported area: card-account - code: ERR_PROVIDER_ACCOUNT_MISCONFIGURATION message: Provider account misconfiguration area: account - code: ERR_PROVIDER_UNAVAILABLE message: Provider unavailable area: general - code: ERR_RECIPIENT_NOT_FOUND message: Recipient email not found area: recipient - code: ERR_REFERENCE_ID_EXCEEDS_MAXIMUM_LENGTH message: Reference ID exceeds maximum length of 16 area: general - code: ERR_REFERENCE_ID_INVALID message: Reference ID is required for this request area: general - code: ERR_REFUND_AMOUNT_EXCEEDED message: Refund amount exceeds original transaction amount area: general - code: ERR_REFUND_INVALID_ORIGINATING_METHOD message: Refund not allowed for transaction method area: recipient - code: ERR_REFUND_INVALID_ORIGINATING_STATUS message: Refund not allowed for transaction status area: recipient - code: ERR_RETRIEVING_CARD_DETAILS message: Error determining card eligibility area: card-account - code: ERR_RETRIEVING_CARD_PAR message: Error retrieving card account reference area: card-account - code: ERR_SETTLEMENT_REPORT message: '*(custom message created when referenced)*' area: general - code: ERR_START_DATE_AFTER_END_DATE message: '*(custom message with dynamic dates)*' area: card-funding - code: ERR_START_DATE_IN_FUTURE message: '*(custom message with dynamic date)*' area: general - code: ERR_TOKENIZING_CARD message: Error validating card details area: card-account - code: ERR_TRANSACTION_FAILURE message: '*(custom message created when referenced)*' area: transaction - code: ERR_TRANSACTION_METHOD_NOT_AVAILABLE message: Transaction method not available area: transaction - code: ERR_TRANSACTION_METHOD_NOT_UNIQUE message: Multiple configurations found for transaction method area: transaction - code: ERR_TRANSACTION_NOT_INITIATED message: Transaction not initiated area: transaction - code: ERR_TRANSACTION_RISK_DECLINE message: Transaction declined due to risk parameters area: transaction - code: ERR_TRANSACTION_RISK_THRESHOLD message: Transaction risk threshold exceeded area: transaction - code: ERR_TRANSACTION_STATUS_IMMUTABLE message: Transaction in immutable status area: transaction - code: ERR_TRANSACTION_STATUS_NOT_APPLICABLE message: Transaction status cannot be applied area: transaction - code: ERR_TRANSACTION_STATUS_UPDATE_FAILED message: Transaction status update failed area: transaction - code: ERR_UNSUPPORTED_CURRENCY_CODE message: Unsupported Currency Code area: general - code: ERR_USER_EXITED_PLAID message: User exited the account linking process in Plaid area: general - code: ERR_USER_SEGMENT_NOT_FOUND message: User Segment not found area: general - code: ERR_VELOCITY_LIMIT message: Transaction failed due to velocity controls area: general - code: ERR_VERIFICATION_NOT_ENABLED message: Payer not enabled for TIN Verification area: general