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Errors

ACH Service Critical Errors

Error Code Label Description Context Status
achAttributes Aggregator doesn't have achAttributes. Contact support to request achAttributes.
Context:
cFiAggregatorId - A cFiAggregatorId in
connectFi
{
"cFiAggregatorId": "entityName"
}
404
achEffectiveEntryDate Invalid effectiveEntryDate. Same day
transfers must be received prior to 9:30am CST
M-F. Next day transfers must be received prior
to 7:30pm CST M-F.
The entered date is not valid for an ACH
transfer.
Same day transfers must be received prior to
9:30am CST M-F. Next day transfers must be
received prior to 7:30pm CST M-F.
Otherwise, enter a future effective entry
date.
Context:
effectiveEntryDate - The requested
effective entry date
{
"effectiveEntryDate": "YYYY-MM-DD"
}
400
achVerify ACH Request Validation Error ACH Request Validation Error undefined 400
achValidate ACH Files Validation Error ACH Files Validation Error undefined 400
returnRateNotFound Return rate data not found for requested date
and cFiAggregatorId.
If return rate data is expected, please retry
the request after sufficient time has passed
for the return rate data to have been received
and processed for this date.
Context:
cFiAggregatorId - A cFiAggregatorId in
connectFi
{
"cFiAggregatorId": "entityName",
"date": "YYYY-MM-DD"
}
400
wrongAmount ACH wrong amount Available values - 1, 1.2, 1.22. Unavailable
value - 1.225
undefined 400

Error Examples

Error Description Parameters/Request Body Response Body
400 transfer-to/ach/create requestValidateError - Must be an allowed value REQUEST BODY
{
  "reference": "extTrnAch451",
    "effectiveEntryDate": "2023-11-03",
    "standardEntryClassCode": "WEB",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "unknownAccountType",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch451"
}
RESPONSE BODY
{
    "requestId":
"3a88a5f079a611eeb5658f28ab5fe311",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/accountType",
            "schemaPath":
"ach#/definitions/accountType/enum",
            "keyword": "enum",
            "params": {
                "allowedValues": [
                    "Checking",
                    "Savings"
                ]
            },
            "message": "must be equal to one of the allowed
values"
        }
    ]
}
400 transfer-to/ach/create requestValidateError - Must match pattern REQUEST BODY
{
  "reference": "extTrnAch451",
    "effectiveEntryDate": "2023-11-03",
    "standardEntryClassCode": "WEB",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "usd",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch451"
}
RESPONSE BODY
{
    "requestId":
"7890c67079a611eeb5658f28ab5fe311",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/currency",
            "schemaPath":
"common#/definitions/currency/pattern",
            "keyword": "pattern",
            "params": {
                "pattern": "^[A-Z]+$"
            },
            "message": "must match pattern
\"^[A-Z]+$\""
        }
    ]
}
400 transfer-to/ach/create requestValidateError - Missing required property REQUEST BODY
{
  "reference": "extTrnAch462",
    "standardEntryClassCode": "WEB",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch462"
}
RESPONSE BODY
{
    "requestId":
"4c23a2c0819811ee9b7427220cc6c212",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "",
            "schemaPath": "#/required",
            "keyword": "required",
            "params": {
                "missingProperty": "effectiveEntryDate"
            },
            "message": "must have required property
'effectiveEntryDate'"
        }
    ]
}
400 transfer-to/ach/create requestValidateError - Must not exceed allowed max length REQUEST BODY
{
  "reference": "extTrnAch465",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "CCD",
    "individualName": "John Smith",
    "routingNumber": "1234567890",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch465"
}
RESPONSE BODY
{
    "requestId":
"101a6a10819911ee9b7427220cc6c212",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/routingNumber",
            "schemaPath":
"ach#/definitions/routingNumber/maxLengt
h",
            "keyword": "maxLength",
            "params": {
                "limit": 9
            },
            "message": "must NOT have more than 9
characters"
        }
    ]
}
400 transfer-to/ach/create requestValidateError - Must be greater than allowed minimum REQUEST BODY
{
  "reference": "extTrnAch467",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "CCD",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": -3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch467"
}
RESPONSE BODY
{
    "requestId":
"a2999e60819911ee9b7427220cc6c212",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/amount",
            "schemaPath":
"common#/definitions/amountWithZero/mini
mum",
            "keyword": "minimum",
            "params": {
                "comparison": ">=",
                "limit": 0
            },
            "message": "must be >= 0"
        }
    ]
}
400 transfer-to/ach/create uniqueAttributeNotFound Error REQUEST BODY
{
  "reference": "extTrnAch457",
    "clientCode": "unknownClientCode",
    "effectiveEntryDate": "2023-11-03",
    "standardEntryClassCode": "WEB",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch457"
}
RESPONSE BODY
{
    "requestId":
"db5224707a5011eeb5658f28ab5fe311",
    "code": "uniqueAttributeNotFound",
    "message": "Unique Attribute
clientCode=unknownClientCode not found for
module ach"
}
400 transfer-to/ach/create referenceExists Error REQUEST BODY
{
  "reference": "extTrnAch461",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "WEB",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch461"
}
RESPONSE BODY
{
    "requestId":
"873825c0819811ee9b7427220cc6c212",
    "code": "referenceExists",
    "context": {
        "reference": "extTrnAch461",
        "entityId":
"CLIENTID_7jtecnvOK043HhOGxI85l8"
    },
    "message": "Reference already exists."
}
400 transfer-to/ach/create achEffectiveEntryDate Error REQUEST BODY
{
  "reference": "extTrnAch462",
    "effectiveEntryDate": "2023-11-12",
    "standardEntryClassCode": "WEB",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch462"
}
RESPONSE BODY
{
    "requestId":
"9b96afa0819811ee9b7427220cc6c212",
    "code": "achEffectiveEntryDate",
    "context": {
        "effectiveEntryDate": "2023-11-12"
    },
    "message": "Invalid effectiveEntryDate.
Same day transfers must be received prior to
9:30am CST M-F. Next day transfers must be
received prior to 7:30pm CST M-F."
}
400 transfer-to/ach/create achValidate Error 1 mandatory field for specified standardEntryClassCode REQUEST BODY
{
  "reference": "extTrnAch464",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "CCD",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "webhookUrl":
"https://your_webhook_url/extTrnAch464"
}
RESPONSE BODY
{
    "requestId":
"e209a8c0819811ee9b7427220cc6c212",
    "code": "achValidate",
    "message": "batch #1 (CCD) Invalid Batch
CompanyEntryDescription  is a mandatory
field and has a default value, did you use the
constructor?: "
}
400 transfer-to/ach/create achValidate Error 2 Invalid routingNumber REQUEST BODY
{
  "reference": "extTrnAch466",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "CCD",
    "individualName": "John Smith",
    "routingNumber": "123456789",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 3.15,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch466"
}
RESPONSE BODY
{
    "requestId":
"3a3b7aa0819911ee9b7427220cc6c212",
    "code": "achValidate",
    "message": "batch #1 (CCD) FieldError
RDFIIdentification 9 does not match
calculated check digit 0"
}
400 transfer-to/ach/create achValidate Error 3 Amount must be 0 if and only if preNote is true REQUEST BODY
{
  "reference": "extTrnAch468",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "CCD",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Credit",
    "amount": 0,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch468"
}
RESPONSE BODY
{
    "requestId":
"bdbacf20819911ee9b7427220cc6c212",
    "code": "achValidate",
    "message": "Amount 0 this batch type requires
that the amount is non-zero"
}
400 transfer-to/ach/create achValidate Error 4 CompanyEntryDescription does not match SEC code REQUEST BODY
{
  "reference": "extTrnAch470",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "RCK",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Debit",
    "amount": 10.53,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "checkSerialNumber": "123456",
    "webhookUrl":
"https://your_webhook_url/extTrnAch470"
}
RESPONSE BODY
{
    "requestId":
"2e91fc50819a11ee9b7427220cc6c212",
    "code": "achValidate",
    "message": "batch #1 (RCK)
CompanyEntryDescription this batch type
requires that the Company Entry Description
is REDEPCHECK: PAYMENT"
}
400 transfer-to/ach/create uniqueAttributeNotFound Error REQUEST BODY
{
  "reference": "extTrnAch471",
    "clientCode": "unknownClientCode",
    "effectiveEntryDate": "2023-11-13",
    "standardEntryClassCode": "CCD",
    "individualName": "John Smith",
    "routingNumber": "053207766",
    "DFIAccountNumber": "123456789",
    "accountType": "Checking",
    "transactionType": "Debit",
    "amount": 10.53,
  "currency": "USD",
    "companyEntryDescription": "PAYMENT",
    "webhookUrl":
"https://your_webhook_url/extTrnAch471"
}
RESPONSE BODY
{
    "requestId":
"7b5bbb20819a11ee9b7427220cc6c212",
    "code": "uniqueAttributeNotFound",
    "message": "Unique Attribute
clientCode=unknownClientCode not found for
module ach"
}
400 transfer-to/ach/query Using cFiTransactionIds requestValidateError - Must not have fewer than allowed minimum characters REQUEST BODY
{
  "cFiTransactionIds": [ 
        "CLIENTID_7jtkROwe7pLEIVHIiSfgvE", ""
        ]
}
RESPONSE BODY
{
    "requestId":
"f239564079a611eeb5658f28ab5fe311",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/cFiTransactionIds/1",
            "schemaPath":
"common#/definitions/id/minLength",
            "keyword": "minLength",
            "params": {
                "limit": 1
            },
            "message": "must NOT have fewer than 1
characters"
        },
        {
            "instancePath": "",
            "schemaPath": "#/oneOf/1/required",
            "keyword": "required",
            "params": {
                "missingProperty": "references"
            },
            "message": "must have required property
'references'"
        },
        {
            "instancePath": "",
            "schemaPath": "#/oneOf",
            "keyword": "oneOf",
            "params": {
                "passingSchemas": null
            },
            "message": "must match exactly one schema in
oneOf"
        }
    ]
}
400 transfer-to/ach/query Using cFiTransactionIds requestValidateError - Must not have fewer than allowed minimum items REQUEST BODY
{
  "cFiTransactionIds": [ 
        
        ]
}
RESPONSE BODY
{
    "requestId":
"0d8df31079a711eeb5658f28ab5fe311",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/cFiTransactionIds",
            "schemaPath":
"#/oneOf/0/properties/cFiTransactionIds/
minItems",
            "keyword": "minItems",
            "params": {
                "limit": 1
            },
            "message": "must NOT have fewer than 1 items"
        },
        {
            "instancePath": "",
            "schemaPath": "#/oneOf/1/required",
            "keyword": "required",
            "params": {
                "missingProperty": "references"
            },
            "message": "must have required property
'references'"
        },
        {
            "instancePath": "",
            "schemaPath": "#/oneOf",
            "keyword": "oneOf",
            "params": {
                "passingSchemas": null
            },
            "message": "must match exactly one schema in
oneOf"
        }
    ]
}
400 transfer-to/ach/query Using cFiTransactionIds requestValidateError - Must not have more than allowed max items REQUEST BODY
{
  "cFiTransactionIds": [ 
        "CLIENTID_7jtkROwe7pLEIVHIiSfgvE", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjfk", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjf3", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjf4", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjf5", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjf6", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjf7", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjf8", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjf9", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj10", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj11", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj12", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj13", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj14", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj15", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj16", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj17", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj18", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj19", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj20", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMj21"
        ]
}
RESPONSE BODY
{
    "requestId":
"4b7c85f0819b11ee9b7427220cc6c212",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/cFiTransactionIds",
            "schemaPath":
"#/oneOf/0/properties/cFiTransactionIds/
maxItems",
            "keyword": "maxItems",
            "params": {
                "limit": 20
            },
            "message": "must NOT have more than 20 items"
        },
        {
            "instancePath": "",
            "schemaPath": "#/oneOf/1/required",
            "keyword": "required",
            "params": {
                "missingProperty": "references"
            },
            "message": "must have required property
'references'"
        },
        {
            "instancePath": "",
            "schemaPath": "#/oneOf",
            "keyword": "oneOf",
            "params": {
                "passingSchemas": null
            },
            "message": "must match exactly one schema in
oneOf"
        }
    ]
}
400 transfer-to/ach/query requestValidateError - Must match exactly 1 schema REQUEST BODY
{
  "cFiTransactionIds": [ 
        "CLIENTID_7jtkROwe7pLEIVHIiSfgvE", 
        "CLIENTID_6CX4ofCQ1FuyXL72EFMjfk"
        ],
    "references": [ "extTrnAch154",
"extTrnAch450" ]
}
RESPONSE BODY
{
    "requestId":
"3d0b5490950211eea89d7100487c0512",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "",
            "schemaPath":
"#/oneOf/0/additionalProperties",
            "keyword": "additionalProperties",
            "params": {
                "additionalProperty": "references"
            },
            "message": "must NOT have additional
properties"
        },
        {
            "instancePath": "",
            "schemaPath":
"#/oneOf/1/additionalProperties",
            "keyword": "additionalProperties",
            "params": {
                "additionalProperty":
"cFiTransactionIds"
            },
            "message": "must NOT have additional
properties"
        },
        {
            "instancePath": "",
            "schemaPath": "#/oneOf",
            "keyword": "oneOf",
            "params": {
                "passingSchemas": null
            },
            "message": "must match exactly one schema in
oneOf"
        }
    ]
}
400 transfer-to/ach/list requestValidateError - Must be an allowed value REQUEST BODY
{
  "dateCreateFrom":
"2023-06-01T14:27:33.684Z",
  "dateCreateTo":
"2025-07-11T18:27:33.684Z",
    "status": "unknownStatus",
    "numberOfRecords": 1000,
    "skipRecords": 0
}
RESPONSE BODY
{
    "requestId":
"73fcf10079a711eeb5658f28ab5fe311",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/status",
            "schemaPath":
"#/$merge/$merge/properties/status/enum"
,
            "keyword": "enum",
            "params": {
                "allowedValues": [
                    "Initiated",
                    "Sent",
                    "Complete",
                    "Returned",
                    "Declined"
                ]
            },
            "message": "must be equal to one of the allowed
values"
        },
        {
            "instancePath": "",
            "schemaPath": "#/$merge/$merge",
            "keyword": "$merge",
            "params": {},
            "message": "must pass \"$merge\" keyword
validation"
        },
        {
            "instancePath": "",
            "schemaPath": "#/$merge",
            "keyword": "$merge",
            "params": {},
            "message": "must pass \"$merge\" keyword
validation"
        }
    ]
}
400 transfer-to/ach/list requestValidateError - Must match format REQUEST BODY
{
  "dateCreateFrom": "06-01-2023",
  "dateCreateTo":
"2025-07-11T18:27:33.684Z",
    "status": "Initiated",
    "numberOfRecords": 1000,
    "skipRecords": 0
}
RESPONSE BODY
{
    "requestId":
"efd1eb90819b11ee9b7427220cc6c212",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/dateCreateFrom",
            "schemaPath":
"#/$merge/$merge/properties/dateCreateFr
om/format",
            "keyword": "format",
            "params": {
                "format": "dateISO"
            },
            "message": "must match format \"dateISO\""
        },
        {
            "instancePath": "",
            "schemaPath": "#/$merge/$merge",
            "keyword": "$merge",
            "params": {},
            "message": "must pass \"$merge\" keyword
validation"
        },
        {
            "instancePath": "",
            "schemaPath": "#/$merge",
            "keyword": "$merge",
            "params": {},
            "message": "must pass \"$merge\" keyword
validation"
        }
    ]
}
400 transfer-to/ach/list greaterNumberOfRecords Error REQUEST BODY
{
  "dateCreateFrom":
"2023-06-01T14:27:33.684Z",
  "dateCreateTo":
"2025-07-11T18:27:33.684Z",
    "status": "Initiated",
    "numberOfRecords": 1001,
    "skipRecords": 0
}
RESPONSE BODY
{
    "requestId":
"81f01bc079a711eeb5658f28ab5fe311",
    "code": "greaterNumberOfRecords",
    "context": {
        "maxNumberOfRecords": 1000
    },
    "message": "The numberOfRecords field is
greater than the request limit"
}
400 transfer-to/ach/return-rates requestValidateError - Must match pattern REQUEST BODY
{
  "date": "20230912"
}
RESPONSE BODY
{
    "requestId":
"389c7b7079a811eeb5658f28ab5fe311",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "/date",
            "schemaPath":
"common#/definitions/dateOnly/pattern",
            "keyword": "pattern",
            "params": {
                "pattern": "^\d{4}-\d{2}-\d{2}$"
            },
            "message": "must match pattern
\"^\d{4}-\d{2}-\d{2}$\""
        }
    ]
}
400 transfer-to/ach/return-rates requestValidateError - Must not have additional properties REQUEST BODY
{
  "date": "2023-09-12",
    "someAdditionalProperty": "value"
}
RESPONSE BODY
{
    "requestId":
"4b84e01079a811eeb5658f28ab5fe311",
    "code": "requestValidateError",
    "context": [
        {
            "instancePath": "",
            "schemaPath": "#/additionalProperties",
            "keyword": "additionalProperties",
            "params": {
                "additionalProperty":
"someAdditionalProperty"
            },
            "message": "must NOT have additional
properties"
        }
    ]
}