Check Instant ACH Errors

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These documents are a still a work in progress. The missing endpoint and fields will be completed as soon as possible and updates to the information will be made as needed.

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Errors pertaining to check_instant_ach endpoint.

Error CodeError Response MessageError TypeTroubleshootingError Status Code
Key not present in response.Below are some examples on why an end user might not pass check_instant_ach:
- End user has not opted into SMS notifications
- End user has not passed kyc_level: INSTANT-ACH
- End user has recent returned transactions
- A match score is required on linked bank accounts. This account is ineligible.
- Bank account type is not supported for Instant ACH
200
Key not present in response.iACH Buffer Error: Entity does not qualify for instant ACH due to insufficient funds.
Key not present in response.PLAID ERROR: Unable to verify the bank account balance.
error_type and error_code will be specific to each check_instant_ach call.
Plaid ErrorPlease use these details to troubleshoot the issue with Plaid. Their docs can be found here.
INSTANT_MATCH_FAILEDUnknown Plaid Auth error code: INSTANT_MATCH_FAILEDPlaid ErrorPlaid docs for INSTANT_MATCH_FAILED400
INSUFFICIENT_CREDENTIALSUnknown Plaid Auth error code: INSUFFICIENT_CREDENTIALSPlaid ErrorPlaid docs for INSUFFICIENT_CREDENTIALS400
INVALID_CREDENTIALSUnknown Plaid Auth error code: INVALID_CREDENTIALSPlaid ErrorPlaid docs for INVALID_CREDENTIALS400
INVALID_MFAUnknown Plaid Auth error code: INVALID_MFAPlaid ErrorPlaid docs for INVALID_MFA400
INVALID_SEND_METHODUnknown Plaid Auth error code: INVALID_SEND_METHODPlaid ErrorPlaid docs for INVALID_SEND_METHOD400
INVALID_UPDATED_USERNAMEUnknown Plaid Auth error code: INVALID_UPDATED_USERNAMEPlaid ErrorPlaid docs for INVALID_UPDATED_USERNAME400
ITEM_CONCURRENTLY_DELETEDUnknown Plaid Auth error code: ITEM_CONCURRENTLY_DELETEDPlaid ErrorPlaid docs for ITEM_CONCURRENTLY_DELETED400
ITEM_LOCKEDUnknown Plaid Auth error code: ITEM_LOCKEDPlaid ErrorPlaid docs for ITEM_LOCKED400
ITEM_LOGIN_REQUIREDUnknown Plaid Auth error code: ITEM_LOGIN_REQUIREDPlaid ErrorPlaid docs for ITEM_LOGIN_REQUIRED400
ITEM_NOT_FOUNDUnknown Plaid Auth error code: ITEM_NOT_FOUNDPlaid ErrorPlaid docs for ITEM_NOT_FOUND400
ITEM_NOT_SUPPORTEDUnknown Plaid Auth error code: ITEM_NOT_SUPPORTEDPlaid ErrorPlaid docs for ITEM_NOT_SUPPORTED400
MFA_NOT_SUPPORTEDUnknown Plaid Auth error code: MFA_NOT_SUPPORTEDPlaid ErrorPlaid docs for MFA_NOT_SUPPORTED400
NO_ACCOUNTSUnknown Plaid Auth error code: NO_ACCOUNTSPlaid ErrorPlaid docs for NO_ACCOUNTS400
NO_AUTH_ACCOUNTSUnknown Plaid Auth error code: NO_AUTH_ACCOUNTSPlaid ErrorPlaid docs for NO_AUTH_ACCOUNTS400
NO_INVESTMENT_ACCOUNTSUnknown Plaid Auth error code: NO_INVESTMENT_ACCOUNTSPlaid ErrorPlaid docs for NO_INVESTMENT_ACCOUNTS400
NO_INVESTMENT_AUTH_ACCOUNTSUnknown Plaid Auth error code: NO_INVESTMENT_AUTH_ACCOUNTSPlaid ErrorPlaid docs for NO_INVESTMENT_AUTH_ACCOUNTS400
NO_LIABILITY_ACCOUNTSUnknown Plaid Auth error code: NO_LIABILITY_ACCOUNTSPlaid ErrorPlaid docs for NO_LIABILITY_ACCOUNTS400
PRODUCT_NOT_ENABLEDUnknown Plaid Auth error code: PRODUCT_NOT_ENABLEDPlaid ErrorPlaid docs for PRODUCT_NOT_ENABLED400
PRODUCT_NOT_READYUnknown Plaid Auth error code: PRODUCT_NOT_READYPlaid ErrorPlaid docs for PRODUCT_NOT_READY400
PRODUCTS_NOT_SUPPORTEDUnknown Plaid Auth error code: PRODUCTS_NOT_SUPPORTEDPlaid ErrorPlaid docs for PRODUCTS_NOT_SUPPORTED400
USER_SETUP_REQUIREDUnknown Plaid Auth error code: USER_SETUP_REQUIREDPlaid ErrorPlaid docs for USER_SETUP_REQUIRED400
USER_INPUT_TIMEOUTUnknown Plaid Auth error code: USER_INPUT_TIMEOUTPlaid ErrorPlaid docs for USER_INPUT_TIMEOUT400
INCOMPATIBLE_API_VERSIONUnknown Plaid Auth error code: INCOMPATIBLE_API_VERSIONPlaid ErrorPlaid docs for INCOMPATIBLE_API_VERSION400
INVALID_ACCOUNT_NUMBERUnknown Plaid Auth error code: INVALID_ACCOUNT_NUMBERPlaid ErrorPlaid docs for INVALID_ACCOUNT_NUMBER400
INVALID_BODYUnknown Plaid Auth error code: INVALID_BODYPlaid ErrorPlaid docs for INVALID_BODY400
INVALID_CONFIGURATIONUnknown Plaid Auth error code: INVALID_CONFIGURATIONPlaid ErrorPlaid docs for INVALID_CONFIGURATION400
INVALID_FIELDUnknown Plaid Auth error code: INVALID_FIELDPlaid ErrorPlaid docs for INVALID_FIELD400
INVALID_HEADERSUnknown Plaid Auth error code: INVALID_HEADERSPlaid ErrorPlaid docs for INVALID_HEADERS400
MISSING_FIELDSUnknown Plaid Auth error code: MISSING_FIELDSPlaid ErrorPlaid docs for MISSING_FIELDS400
NO_LONGER_AVAILABLEUnknown Plaid Auth error code: NO_LONGER_AVAILABLEPlaid ErrorPlaid docs for NO_LONGER_AVAILABLE400
NOT_FOUNDUnknown Plaid Auth error code: NOT_FOUNDPlaid ErrorPlaid docs for NOT_FOUND400
SANDBOX_ONLYUnknown Plaid Auth error code: SANDBOX_ONLYPlaid ErrorPlaid docs for SANDBOX_ONLY400
UNKNOWN_FIELDUnknown Plaid Auth error code: UNKNOWN_FIELDPlaid ErrorPlaid docs for UNKNOWN_FIELD400
LAST_UPDATED_DATETIME_OUT_OF_RANGEUnknown Plaid Auth error code: LAST_UPDATED_DATETIME_OUT_OF_RANGEPlaid ErrorPlaid docs for LAST_UPDATED_DATETIME_OUT_OF_RANGE400
PLAID_DIRECT_ITEM_IMPORT_RETURNED_INVALID_MFAUnknown Plaid Auth error code: PLAID_DIRECT_ITEM_IMPORT_RETURNED_INVALID_MFAPlaid ErrorPlaid docs for PLAID_DIRECT_ITEM_IMPORT_RETURNED_INVALID_MFA400
ACCOUNTS_LIMITUnknown Plaid Auth error code: ACCOUNTS_LIMITPlaid Rate LimitPlaid docs for ACCOUNTS_LIMIT400
ADDITION_LIMITUnknown Plaid Auth error code: ADDITION_LIMITPlaid Rate LimitPlaid docs for ADDITION_LIMIT400
AUTH_LIMITUnknown Plaid Auth error code: AUTH_LIMITPlaid Rate LimitPlaid docs for AUTH_LIMIT400
BALANCE_LIMITUnknown Plaid Auth error code: BALANCE_LIMITPlaid Rate LimitPlaid docs for BALANCE_LIMIT400
IDENTITY_LIMITUnknown Plaid Auth error code: IDENTITY_LIMITPlaid Rate LimitPlaid docs for IDENTITY_LIMIT400
INSTITUTIONS_GET_LIMITUnknown Plaid Auth error code: INSTITUTIONS_GET_LIMITPlaid Rate LimitPlaid docs for INSTITUTIONS_GET_LIMIT500
INSTITUTIONS_GET_BY_ID_LIMITUnknown Plaid Auth error code: INSTITUTIONS_GET_BY_ID_LIMITPlaid Rate LimitPlaid docs for INSTITUTIONS_GET_BY_ID_LIMIT400
INVESTMENT_HOLDINGS_GET_LIMITUnknown Plaid Auth error code: INVESTMENT_HOLDINGS_GET_LIMITPlaid Rate LimitPlaid docs for INVESTMENT_HOLDINGS_GET_LIMIT400
INVESTMENT_TRANSACTIONS_LIMITUnknown Plaid Auth error code: INVESTMENT_TRANSACTIONS_LIMITPlaid Rate LimitPlaid docs for INVESTMENT_TRANSACTIONS_LIMIT400
ITEM_GET_LIMITUnknown Plaid Auth error code: ITEM_GET_LIMITPlaid Rate LimitPlaid docs for ITEM_GET_LIMIT400
RATE_LIMITUnknown Plaid Auth error code: RATE_LIMITPlaid Rate LimitPlaid docs for RATE_LIMIT400
TRANSACTIONS_LIMITUnknown Plaid Auth error code: TRANSACTIONS_LIMITPlaid Rate LimitPlaid docs for TRANSACTIONS_LIMIT400
INCORRECT_OAUTH_NONCEUnknown Plaid Auth error code: INCORRECT_OAUTH_NONCEPlaid ErrorPlaid docs for INCORRECT_OAUTH_NONCE400
INCORRECT_LINK_TOKENUnknown Plaid Auth error code: INCORRECT_LINK_TOKENPlaid ErrorPlaid docs for INCORRECT_LINK_TOKEN400
OAUTH_STATE_ID_ALREADY_PROCESSEDUnknown Plaid Auth error code: OAUTH_STATE_ID_ALREADY_PROCESSEDPlaid ErrorPlaid docs for OAUTH_STATE_ID_ALREADY_PROCESSED400
OAUTH_STATE_ID_NOT_FOUNDUnknown Plaid Auth error code: OAUTH_STATE_ID_NOT_FOUNDPlaid ErrorPlaid docs for OAUTH_STATE_ID_NOT_FOUND400
MICRODEPOSITS_UNSUPPORRTED_ENVIRONMENTUnknown Plaid Auth error code: MICRODEPOSITS_UNSUPPORRTED_ENVIRONMENTPlaid ErrorPlaid docs for MICRODEPOSITS_UNSUPPORRTED_ENVIRONMENT400
SANDBOX_PRODUCT_NOT_ENABLEDUnknown Plaid Auth error code: SANDBOX_PRODUCT_NOT_ENABLEDPlaid ErrorPlaid docs for SANDBOX_PRODUCT_NOT_ENABLED400
SANDBOX_WEBHOOK_INVALIDUnknown Plaid Auth error code: SANDBOX_WEBHOOK_INVALIDPlaid ErrorPlaid docs for SANDBOX_WEBHOOK_INVALID400
SANDBOX_ACCOUNT_SELECT_V2_NOT_ENABLEDUnknown Plaid Auth error code: SANDBOX_ACCOUNT_SELECT_V2_NOT_ENABLEDPlaid ErrorPlaid docs for SANDBOX_ACCOUNT_SELECT_V2_NOT_ENABLED400
SANDBOX_TRANSFER_EVENT_TRANSITION_INVALIDUnknown Plaid Auth error code: SANDBOX_TRANSFER_EVENT_TRANSITION_INVALIDPlaid ErrorPlaid docs for SANDBOX_TRANSFER_EVENT_TRANSITION_INVALID400

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