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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 - 400
achValidate ACH Files Validation Error ACH Files Validation Error - 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 - 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/maxLength",
            "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/minimum",
            "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/minIt
ems",
            "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/maxIt
ems",
            "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/$merge/properties/dateCreateFrom/fo
rmat",
            "keyword": "format",
            "params": {
                "format": "dateISO"
            },
            "message": "must match format \"dateISO\""
        },
        {
            "instancePath": "",
            "schemaPath": "#/$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"
        }
    ]
}