generated: '2026-07-20'
method: searched
source: https://docs.methodfi.com/2026-03-30/reference/errors/payment-errors
description: >-
  Money-movement failure codes surfaced on the `error` property of Payment,
  PaymentReversal, Account, and Entity resources when an ACH paydown or related
  process fails. These are the Method equivalent of card decline / ACH return codes.
  They complement (do not replace) the API-level request errors in
  errors/methodfi-problem-types.yml.
envelope_field: error
envelope_shape: '{ type, code, sub_type, message }'
masking: >-
  Resource error messages are developer-facing (returned on the API resource); Method
  does not publish a separate buyer-masked subset. Present them to end users with
  human-friendly copy rather than raw sub_types.
payment_failures:
- code: 10001
  type: PAYMENT_FAILED
  sub_type: PAYMENT_INSUFFICIENT_FUNDS
  meaning: Source account had insufficient funds.
  action: Retry after funding the source or notify the payer.
- code: 10002
  type: PAYMENT_FAILED
  sub_type: PAYMENT_UNAUTHORIZED
  meaning: Payment reported unauthorized by the source or destination account holder.
  action: Do not retry; re-collect authorization.
- code: 10003
  type: PAYMENT_FAILED
  sub_type: PAYMENT_INVALID_ACCOUNT
  meaning: Invalid source or destination account (inactive or nonexistent).
  action: Re-verify account before retry.
- code: 10004
  type: PAYMENT_CANCELED
  sub_type: PAYMENT_INSUFFICIENT_FUNDS
  meaning: Payment canceled due to insufficient funds from the source account.
  action: Recreate payment after funding.
- code: 10005
  type: PAYMENT_FAILED
  sub_type: PAYMENT_UNAUTHORIZED_SOURCE
  meaning: Source account holder reported the payment unauthorized.
  action: Do not retry; re-collect source authorization.
- code: 10006
  type: PAYMENT_FAILED
  sub_type: PAYMENT_UNAUTHORIZED_DESTINATION
  meaning: Destination account holder reported the payment unauthorized.
  action: Do not retry; confirm destination.
- code: 10007
  type: PAYMENT_FAILED
  sub_type: PAYMENT_INVALID_SOURCE_ACCOUNT
  meaning: Source account invalid (inactive or nonexistent).
  action: Re-verify source account.
- code: 10008
  type: PAYMENT_FAILED
  sub_type: PAYMENT_INVALID_DESTINATION_ACCOUNT
  meaning: Destination account invalid (inactive or nonexistent).
  action: Re-verify destination account.
- code: 10009
  type: PAYMENT_FAILED
  sub_type: PAYMENT_REJECTED_BY_DESTINATION_INSTITUTION
  meaning: Payment rejected by the destination account's financial institution.
  action: Contact destination FI / try alternate destination.
- code: 10010
  type: PAYMENT_FAILED
  sub_type: PAYMENT_REJECTED_INVALID_AMOUNT
  meaning: Destination FI rejected the payment amount.
  action: Adjust amount and retry.
- code: 10011
  type: PAYMENT_FAILED
  sub_type: PAYMENT_STOPPED_BY_REQUEST
  meaning: Payment stopped by request before completion.
  action: Recreate if still required.
payment_reversal_failures:
- code: 14001
  type: PAYMENT_REVERSAL_FAILED
  sub_type: PAYMENT_REVERSAL_INSUFFICIENT_FUNDS
  meaning: Reversal failed due to insufficient funds on the account.
- code: 14002
  type: PAYMENT_REVERSAL_FAILED
  sub_type: PAYMENT_REVERSAL_UNAUTHORIZED
  meaning: Reversal reported unauthorized by the account holder.
- code: 14003
  type: PAYMENT_REVERSAL_FAILED
  sub_type: PAYMENT_REVERSAL_INVALID_ACCOUNT
  meaning: Reversal failed due to an invalid account.
account_disable_failures:
- code: 11001
  type: ACCOUNT_DISABLED
  sub_type: ACCOUNT_INVALID_DETAILS
  meaning: FI reported invalid account details (wrong account/routing number).
- code: 11002
  type: ACCOUNT_DISABLED
  sub_type: ACCOUNT_CLOSED
  meaning: Underlying bank account is closed.
- code: 11003
  type: ACCOUNT_DISABLED
  sub_type: ACCOUNT_UNAUTHORIZED_PAYMENT
  meaning: Account holder reported a payment as unauthorized.
- code: 11004
  type: ACCOUNT_DISABLED
  sub_type: ACCOUNT_DISABLED_CONSENT_WITHDRAWN
  meaning: Account consent was withdrawn.
- code: 11005
  type: ACCOUNT_DISABLED
  sub_type: ACCOUNT_DISABLED_INVALID_STATE
  meaning: Underlying liability is in an invalid state.
entity_disable_failures:
- code: 12001
  type: ENTITY_DISABLED
  sub_type: ENTITY_UNAUTHORIZED_PAYMENT
  meaning: Entity disabled after FI-reported unauthorized payment (ACH returns R07/R10/R14/R29).
- code: 12002
  type: ENTITY_DISABLED
  sub_type: ENTITY_INVALID_DETAILS
  meaning: One or more PII values were invalid.
- code: 12003
  type: ENTITY_DISABLED
  sub_type: ENTITY_PENDING_KYC_REVIEW
  meaning: Entity flagged for KYC review by Method's provider.
- code: 12004
  type: ENTITY_DISABLED
  sub_type: ENTITY_SSN_MISMATCH
  meaning: Provided PII does not match the identity the SSN belongs to.
- code: 12005
  type: ENTITY_DISABLED
  sub_type: ENTITY_CONSENT_WITHDRAWN
  meaning: Entity consent was withdrawn.