Error code mapping

This mapping is for eCheck activity after your migration date, in Transaction views and Transaction details.

Those transactions display and filter on the new codes. The legacy eCheck E… code is on the transaction under Transaction details → Metadata. It is not used in the Error reason filter.

Activity before your migration date keeps E… codes on Legacy Reports. Your integration and reporting API still return E… codes.

E008, E026, E029, and E048 each meant two different things. Use the tables below: a bad value in the request is a request error; a limit, rail, location, or NSF outcome is on the transaction.

E049, E182, and the limit reading of E008 all become transaction_limit_exceeded. There is one limit code now, not three.

Request rejected (transaction was not created)

eCheck	What it meant	New code
E003, E033	Merchant account not set up	`merchant_not_configured`
E004	Authentication failed	`authentication_required`
E005	Invalid transaction type	`invalid_parameter`
E006	Missing or invalid merchant transaction number	`parameter_missing` or `invalid_parameter`
E007	Duplicate merchant transaction number	`duplicate_transaction`
E008	Invalid amount (malformed)	`invalid_parameter`
E009	Invalid currency	`invalid_parameter`
E010–E023, E039	Invalid or missing customer / payee fields	`parameter_missing` or `invalid_parameter`
E024–E028	Invalid bank account or routing details (format)	`parameter_missing` or `invalid_parameter`
E029	Missing or invalid originator IP (format)	`parameter_missing` or `invalid_parameter`
E031	Invalid request	`invalid_request`
E002, E032, E034, E035, E037, E038	Processing or platform error	`internal_error` (or `provider_error` if the failure was upstream)
E044, E045	Address or date of birth required for verification	`parameter_missing`
E401	This transaction type is not allowed	`not_authorized`
E402	Originator IP required	`parameter_missing`
E403	Identity verification fields required	`parameter_missing`

Transaction declined, rejected, or returned

eCheck	What it meant	New code
E008	Amount over the per-transaction limit	`transaction_limit_exceeded`
E026	Bank rejected the account as invalid	`invalid_account`
E029	Originator IP failed the location check	`geo_blocked`
E034	Decline with no more specific code	`rejected_by_bank`
E040	Payout exceeds the merchant's available balance	`insufficient_merchant_funds`
E041, E046	Verification service error	`verification_failed`
E047	Identity verification failed (e.g. name or date of birth)	`info_mismatch`
E048	Customer account has insufficient funds (at submit)	`insufficient_funds`
E048	Debit later returned NSF	`return_insufficient_funds`
E049, E182	Over the customer or merchant daily limit	`transaction_limit_exceeded`
E201	Bank account on the negative list	`negative_bank_data`
E202	Customer identity on the negative list	`negative_identity`
E203	Suspicious activity	`risk_declined`
E301	Too many transactions in the period	`velocity_exceeded`

Codes that behave differently

eCheck	Change
E000, E001	Not errors. Success never returned a code.
E404	No longer a hard decline. The transaction waits for the customer to link their bank account.
E034	Still the catch-all. Outcomes the old gateway had no code for (for example account closed, or the customer canceled) also surface as E034 on the existing eCheck API.