Transfer errors
Errors specific to the Transfer product
TRANSFER_LIMIT_REACHED
The attempted transfer exceeded the account's daily transfer or single transfer limits.
Common causes
- The attempted transfer exceeded the account's daily transfer or single transfer limits. The error message will indicate which transfer limit was exceeded.
- Pre-production transfer limits are being applied in Production because the client has not fully completed the Transfer Implementation Checklist. Customers must provide all the information requested on the checklist and complete all checklist attestations in order to be granted production-level transfer limits.
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "TRANSFER_LIMIT_REACHED",5 "error_message": "transfer limit exceeded",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}TRANSFER_ACCOUNT_BLOCKED
The transfer could not be completed because a previous transfer involving the same end-user account resulted in an error
Common causes
- Plaid has flagged the end-user's account as not valid for use with Transfer.
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "TRANSFER_ACCOUNT_BLOCKED",5 "error_message": "transfer was blocked due to a previous ACH return on this account",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}TRANSFER_NOT_CANCELLABLE
The transfer could not be canceled
Common causes
- An attempt was made to cancel a transfer that has already been sent to the network for execution and cannot be cancelled at this stage.
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "TRANSFER_NOT_CANCELLABLE",5 "error_message": "transfer is not cancellable",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}TRANSFER_UNSUPPORTED_ACCOUNT_TYPE
An attempt was made to transfer funds to or from an unsupported account type
Common causes
- An attempt was made to transfer funds to or from an unsupported account type. Only checking, savings, and cash management accounts can be used with Transfer. In addition, if the transfer is a debit transfer, the account must be a debitable account. Common examples of non-debitable depository accounts include savings accounts at Chime or at Navy Federal Credit Union (NFCU).
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "TRANSFER_UNSUPPORTED_ACCOUNT_TYPE",5 "error_message": "transfer account type not supported",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}TRANSFER_FORBIDDEN_ACH_CLASS
An attempt was made to create a transfer with a forbidden ACH class (SEC code)
Common causes
Your Plaid account has not been enabled for the ACH class specified in the request.
The ACH class specified in the transfer request was incorrect.
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "TRANSFER_FORBIDDEN_ACH_CLASS",5 "error_message": "specified ach_class is forbidden",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}TRANSFER_UI_UNAUTHORIZED
The client is not enabled for the Transfer UI product
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "TRANSFER_UI_UNAUTHORIZED",5 "error_message": "client is not authorized for transfer UI",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}TRANSFER_ORIGINATOR_NOT_FOUND
An association between the sender and the originator client doesn't exist
Common causes
- There is a typo in the
originator_client_id - You are a Platform Payments customer (not a partner) and did not call
/transfer/originator/createfor this end-customer - You are a Plaid Partner and have not submitted diligence information via
/transfer/questionnaire/createfor this end-customer
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "TRANSFER_ORIGINATOR_NOT_FOUND",5 "error_message": "the association between the sender and the originator client doesn't exist",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}INCOMPLETE_CUSTOMER_ONBOARDING
The end customer has not completed onboarding. Their diligence status must be approved before moving funds
Common causes
- You tried to move funds for an originator that hasn't been approved by Plaid yet
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "INCOMPLETE_CUSTOMER_ONBOARDING",5 "error_message": "end customer has not completed onboarding. their diligence status must be `approved` before moving funds",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}UNAUTHORIZED_ACCESS
You are not authorized to access this endpoint for your use case
Common causes
- You are not a Platform Payments customer and tried to call a Platform Payments endpoint
- You are a Plaid Partner and tried to create an end-customer using
/transfer/originator/create(instead of/partner/customer/create)
Troubleshooting steps
1http code 4002{3 "error_type": "TRANSFER_ERROR",4 "error_code": "UNAUTHORIZED_ACCESS",5 "error_message": "you are not authorized to access this endpoint for your use case.",6 "display_message": null,7 "request_id": "HNTDNrA8F1shFEW"8}ACH return codes
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All returned ACH transactions will have an ACH return code. By reading the code, you can troubleshoot and debug returned transactions.
| Return Code | Description | Notes |
|---|---|---|
| R01 | Insufficient funds | Available balance is not sufficient to cover the dollar amount of the debit entry |
| R02 | Account closed | A previously open account is now closed |
| R03 | No account or unable to locate account | The account number structure is valid, but the account number does not correspond to an existing account, or the name on the transaction does not match the name on the account. |
| R04 | Invalid account number | The account number fails the check digit validation or may contain an incorrect number of digits. Commonly caused by invalidated TANs; see Tokenized account numbers for more details. |
| R05 | Unauthorized debit to consumer account | A business debit entry was transmitted to a member’s consumer account, and the member had not authorized the entry |
| R06 | Returned per ODFI's request | The ODFI has requested that the RDFI return the entry |
| R07 | Authorization revoked by customer | Member who previously authorized an entry has revoked authorization with the originator |
| R08 | Payment stopped or stop payment on item | Member had previously requested a stop payment of a single or recurring entry |
| R09 | Uncollected funds | Available balance is sufficient, but the collected balance is not sufficient to cover the entry |
| R10 | Customer advises not authorized | Member advises not authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document |
| R11 | Check truncation entry return | To be used when returning a check truncation entry |
| R12 | Branch sold to another DFI | RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution |
| R13 | Invalid ACH routing number | Financial institution does not receive commercial ACH entries |
| R14 | Representative payee deceased or unable to continue in that capacity | Representative payee is deceased or unable to continue in that capacity, beneficiary is not deceased |
| R15 | Beneficiary of account holder deceased | Beneficiary or Account Holder Deceased |
| R16 | Account frozen | Access to account is restricted due to a specific action taken by the RDFI or by legal action |
| R17 | File record edit criteria | Fields rejected by RDFI processing (identified in return addenda) |
| R18 | Improper effective entry | Entries have been presented prior to the first available processing window for the effective date |
| R19 | Amount field error | Improper formatting of the amount field |
| R20 | Non-transaction account | Policies or regulations (such as Regulation D) prohibit or limit activity to the account indicated |
| R21 | Invalid company identification | The company ID information not valid (normally CIE entries) |
| R22 | Invalid individual ID number | Individual id used by receiver is incorrect (CIE entries) |
| R23 | Credit entry refused by receiver | Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account |
| R24 | Duplicate entry | RDFI has received a duplicate entry |
| R25 | Addenda error | Improper formatting of the addenda record information |
| R26 | Mandatory field error | Improper information in one of the mandatory fields |
| R27 | Trace number error | Original entry trace number is not valid for return entry; or addenda trace numbers do not correspond with entry detail record |
| R28 | Routing number or check digit | Check digit for transit routing number is incorrect |
| R29 | Corporate customer advises not authorized | RDFI has been notified by business account holder that a specific transaction is unauthorized. Business accounts often automatically decline debits for security purposes. Your customer needs to inform their bank to allow debits that use your tax identifier. |
| R30 | RDFI not participant in check truncation program | Financial institution not participating in automated check safekeeping application |
| R31 | Permissible return entry | RDFI has been notified by business account holder that a specific transaction is unauthorized |
| R32 | RDFI non settlement | RDFI is not able to settle the entry |
| R33 | Return of XCK entry | RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date if the XCK entry |
| R34 | Limited participation DFI | RDFI participation has been limited by a federal or state supervisor |
| R35 | Return of improper debit entry | ACH debit not permitted for use with the CIE standard entry class code (except for reversals) |
| R36 | Return of improper credit entry | |
| R37 | Source Document Presented for Payment | Check used for an ARC, BOC or POP entry has also been presented for payment |
| R38 | Stop payment on source document | Stop payment has been placed on a check used for an ARC entry |
| R40 | Return of ENR entry by federal government agency (ENR only) | |
| R41 | Invalid transaction code (ENR only) | |
| R42 | Routing number or check digit error (ENR only) | |
| R43 | Invalid DFI account number (ENR only) | |
| R44 | Invalid individual ID number (ENR only) | |
| R45 | Invalid individual name/company name (ENR only) | |
| R46 | Invalid representative payee indicator (ENR only) | |
| R47 | Duplicate enrollment | |
| R50 | State law affecting RCK acceptance | |
| R51 | Item is ineligible, notice not provided, signature not genuine | |
| R52 | Stop payment on item | |
| R61 | Misrouted return | Return entry was sent by RDFI to an incorrect ODFI routing/transit number |
| R62 | Incorrect trace number | |
| R63 | Incorrect dollar amount | |
| R64 | Incorrect individual identification | |
| R65 | Incorrect transaction code | |
| R66 | Incorrect company identification | |
| R67 | Duplicate return | ODFI has received more than one return entry for the same original entry |
| R68 | Untimely return | Return entry did not meet the return deadline |
| R69 | Multiple errors | |
| R70 | Permissible return entry not accepted | |
| R71 | Misrouted dishonored return | |
| R72 | Untimely dishonored return | |
| R73 | Timely original return | |
| R74 | Corrected return | |
| R80 | Cross-border payment coding error | |
| R81 | Nonparticipant in cross-border program | |
| R82 | Invalid foreign receiving DFI identification |
RTP/RfP error codes
failed RTP/RfP transactions will have a failure description. By reading the description, you can troubleshoot and debug failed transactions.
| Failure Code | Description | Notes |
|---|---|---|
| 1100 | Other Reasons - Not covered by specific codes | |
| 9909 | Central Switch (RTP) system malfunction | |
| 9910 | Instructed Agent signed-off | |
| 9912 | Recipient connection unavailable | |
| 9934 | Instructing Agent signed-off | |
| 9946 | Instructing Agent suspended | |
| 9947 | Instructed Agent suspended | |
| 9948 | Central Switch (RTP) service suspended | |
| AC02 | Debtor account is invalid | |
| AC03 | Creditor account is invalid | |
| AC04 | Account closed | |
| AC06 | Account specified is blocked, prohibiting transactions | |
| AC07 | Creditor account closed | |
| AC10 | Debtor account currency is invalid or missing | |
| AC11 | Creditor account currency is invalid or missing | |
| AC13 | Debtor account type missing or invalid | |
| AC14 | Creditor account type missing or invalid | |
| AG01 | Transaction forbidden on this type of account | |
| AG03 | Transaction type not supported or authorized on this account | |
| AGNT | Incorrect Agent | |
| AM02 | Transaction amount exceeds allowed maximum | |
| AM04 | Insufficient funds to cover message amount | |
| AM09 | Amount received is incorrect | |
| AM11 | Transaction currency is invalid or missing | |
| AM12 | Amount is invalid or missing | |
| AM13 | Transaction amount exceeds clearing system limits | |
| AM14 | Transaction amount exceeds limits agreed between bank and client | |
| BE04 | Missing or incorrect creditor address required for payment | |
| BE06 | End customer not known or no longer exists | |
| BE07 | Missing or incorrect debtor address required for payment | |
| BE10 | Debtor country code is missing or invalid | |
| BE11 | Creditor country code is missing or invalid | |
| BE13 | Debtor's residence country code missing or invalid | |
| BE14 | Creditor's residence country code missing or invalid | |
| BE16 | Debtor identification code missing or invalid | |
| BE17 | Creditor identification code missing or invalid | |
| BLKD | Payment has been blocked | |
| CH11 | Creditor Identifier Incorrect - Customer indicates creditor is unknown | |
| CUST | Requested By Customer - Customer declines payment | |
| DS04 | Order Rejected - The bank rejected the order due to content issues | |
| DS0H | Signer not authorized for this account | |
| DS24 | Waiting time expired due to incomplete order | Receiving bank timed out |
| DT04 | Future date not supported | |
| DUPL | Duplicate payment detected | |
| FF02 | Syntax error in narrative information | |
| FF03 | Invalid Payment Type Information | |
| FF08 | End to End Id missing or invalid | |
| INSF | Insufficient funds for outbound message | |
| MD07 | End customer is deceased | |
| NARR | Narrative reason provided in additional information | |
| NOAT | Customer account does not support this message type | |
| RC01 | Bank identifier code format is incorrect | |
| RC02 | Bank identifier is invalid or missing | |
| RC03 | Debtor FI identifier is invalid or missing | |
| RC04 | Creditor FI identifier is invalid or missing | |
| SL12 | Debtor does not wish to receive RFPs from this Creditor | |
| TK01 | Invalid Token | |
| TK02 | Sender Token Not Found | |
| TK03 | Receiver Token Not Found | |
| TK04 | Token Expired | |
| TK05 | Token Counterparty Mismatch | |
| TK06 | Token Value Limit Rule Violation | |
| TK07 | Single Use Token Already Used | |
| TK08 | Token Suspended | |
| TM01 | Invalid Cut Off Time |