When submitting a payin or payout transaction, there are a number of errors that may result in a transaction failure.

For EFT return codes caused by insufficient funds, see EFT Return Codes.

API Error Codes

The Instant Bank Transfer API uses HTTP response codes to indicate the success or failure of an API request. Examples of issues that cause API errors include authentication failures, malformed JSON, invalid data types and sizes, and missing or invalid Merchant details.

Code	Description
S002	Country field must be a valid 2-letter country code (ISO 3166).
S005	merchant.merchantId size must be between 1 and 16.
S006	merchant.merchantUserId size must be between 3 and 64.
S007	merchant.merchantTransactionId is missing or invalid.
S008	Date of birth is missing or invalid.
S014	Contact address is missing or invalid.
S015	Contact region is missing or invalid.
S016	Contact city is missing or invalid.
S017	Contact postal or zip code not specified.
S018	Consumer full name is missing or invalid.
S019	Consumer first name is missing or invalid.
S020	Consumer last name is missing or invalid.
S022	Transaction amount must be greater than 1 dollar and less than 1 million dollars (in cents).
S023	Currency code must be a 3-letter currency code (ISO 4217).
S025	Report search condition not specified.
S026	Report query type not specified.
S027	Report output type not specified.
S028	Transaction start time for report not specified.
S029	Transaction end time for report not specified.
S031	Bank token not specified.
S032	Bank routing number is missing or invalid.
S033	Bank account number is missing or invalid.
S034	Bank account type must be PC or PS.
S035	Phone number must be provided and cannot be longer than 64 characters.
S036	Consumer must be SENDER or SENDER_RECEIVER.
S037	Consumer must be RECEIVER or SENDER_RECEIVER.
S038	Consumer's social security or social insurance number must be 4 or 9 digits without separators.
S097	Failed IP validation.
S098	The JSON message is invalid.
S099	[field] is missing or invalid.
S10003	Token is required.
S10004	No longer authorized to access the service.
S10005	Missing required scope.
P100	No gateway merchant mapping found.
P106	Duplicate transaction.

Interactive Transaction Error Codes

Interactive transaction errors are caused by missing or invalid parameters in the payin request. Note that it's possible for a request parameter to be considered valid by the API gateway, but not valid for a specific product integration. For example, the API gateway requires that a currency parameter value is a valid 3-digit ISO 4217 currency code, such as USD or CAD. However, Instant Bank Transfer requires that the currency parameter value must be CAD. In this case, a parameter value of USD would not cause an API gateway error, but would cause a payin request validation error.

The errors described below indicate a failed interactive payin transaction.

Code	Description
V003	Invalid merchant account ID.
4	Transaction amount exceeds the consumer's limit.
7	Maximum login attempts reached.
9	The consumer cancels the transaction after bank account verification.
13	Risk management subsystem rejects the transaction.
14	Negative information on the identity.
15	Mismatch with merchant info.
16	Insufficient funds to cover the transaction.
27	Consumer abandoned transaction.
98	Generic error.
99	Consumer opt-out.
103	Consumer opted out after unsuccessful login attempt.
105	Consumer online bank account error (account blocked, password reset, etc.).
106	Bank website is unavailable.
107	No valid bank account available.
108	Invalid token.

Direct Transaction Error Codes

The errors described below may be included in the notification for a failed direct transaction.

Code	Description
E098	Generic error.
E105	Consumer online bank account error (account blocked, password reset, etc.).
E106	Bank website is unavailable.
E108	Invalid token.
E182	Transaction amount exceeds the consumer's limit.
E202	Negative information on the identity.
E203	Risk management subsystem rejects the transaction.
E205	Insufficient funds to cover the transaction.
E301	Failed transaction velocity check.
E302	Reauthorization required.