Virtual Account (UK/EU) errors

Guide to understanding and troubleshooting errors specific to the Virtual Account product.

TRANSACTION_INSUFFICIENT_FUNDS

The transaction was declined due to insufficient funds in the account.

Common causes

The account does not have sufficient funds to complete the transaction.

Troubleshooting steps

Check the available balance on the Virtual Account.

If the Virtual Account has insufficient balance, fund the Virtual Account and try again.

Try again with a lower transaction amount.

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_INSUFFICIENT_FUNDS",
 "error_message": "There are insufficient funds to complete the transaction",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

TRANSACTION_AMOUNT_EXCEEDED

The transaction was declined due to the amount exceeding the allowed threshold

Common causes

The transaction amount exceeds the allowed threshold configured for this client.

Troubleshooting steps

Contact your Plaid account manager for your compliance rules.

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_AMOUNT_EXCEEDED",
 "error_message": "Transaction amount exceeds the allowed threshold for this client",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

TRANSACTION_ON_SAME_ACCOUNT

The transaction was attempted into the same account and declined.

Common causes

The recipient bank account details on the transaction are incorrect and refer to the source Virtual Account.

Troubleshooting steps

Confirm that the bank account details do not route back to the Virtual Account.

Try again with a different recipient bank account.

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_ON_SAME_ACCOUNT",
 "error_message": "Payment to the same account is not allowed",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

TRANSACTION_CURRENCY_MISMATCH

The transaction was declined due to a currency mismatch.

Common causes

The currency on the recipient bank account is different than that of the wallet.

Troubleshooting steps

Check the currency of the Virtual Account

Confirm that the provided bank account details accepts the same currency as the Virtual Account.

Try again with a different recipient bank account.

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_CURRENCY_MISMATCH",
 "error_message": "The currency between the wallet and recipient account is different",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

TRANSACTION_IBAN_INVALID

The transaction was declined due to an invalid IBAN.

Common causes

The provided IBAN on the recipient bank account is invalid.

Troubleshooting steps

Check that a valid IBAN was provided in the request.

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_IBAN_INVALID",
 "error_message": "The provided IBAN is invalid",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

TRANSACTION_BACS_INVALID

The transaction was declined due to an invalid Bacs account number and/or sort code.

Common causes

The provided Account Number and/or Sort Code on the recipient account is invalid.

Troubleshooting steps

Check that a valid Account Number was provided in the request.

Check that a valid Sort Code was provided in the request.

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_BACS_INVALID",
 "error_message": "The provided BACS account number and/or sort code is invalid",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

TRANSACTION_FAST_PAY_DISABLED

The transaction was declined due to the recipient sort code not being enabled for Faster Payments

Common causes

The provided Sort Code on the recipient account is not enabled for Faster Payments. GBP transactions out of Virtual Accounts in GB are made via the Faster Payments rail.

Troubleshooting steps

Check with the bank of the recipient bank account that Faster Payments has been enabled.

Try again using a different recipient bank account if Faster Payments is not supported.

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_FAST_PAY_DISABLED",
 "error_message": "The recipient sort code is not enabled for faster payments",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

TRANSACTION_EXECUTION_FAILED

The transaction failed to execute.

Common causes

The transaction failed to execute due to an internal error.
The transaction might have been declined by the receiving bank.
Technical issues with the payment processor.

Troubleshooting steps

Check the request body against the API reference for /wallet/transaction/execute

API error response

http code 400
{
 "error_type": "TRANSACTION_ERROR",
 "error_code": "TRANSACTION_EXECUTION_FAILED",
 "error_message": "There was a problem executing the transaction. Please retry.",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

NONIDENTICAL_REQUEST

The request is not identical to the original request.

Common causes

The request parameters have changed compared to the original request with the same idempotency key.

Troubleshooting steps

Check that idempotency keys are not being reused for different requests.

API error response

http code 400
{
 "error_type": "IDEMPOTENCY_ERROR",
 "error_code": "NONIDENTICAL_REQUEST",
 "error_message": "Request body does not match previous request with this idempotency key",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

REQUEST_CONFLICT

Original request is still processing.

Common causes

The original request is still processing and has not completed.
A network or system issue caused a delay in processing the original request, resulting in a conflict when the new request is sent.

Troubleshooting steps

Wait and retry the request again

API error response

http code 400
{
 "error_type": "IDEMPOTENCY_ERROR",
 "error_code": "REQUEST_CONFLICT",
 "error_message": "Original request is still processing",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}