Check Instant ACH Errors

Link Account

Errors pertaining to check_instant_ach endpoint.

Error Code

Error Response Message

Error Type

Troubleshooting

Error 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 Error

Please use these details to troubleshoot the issue with Plaid. Their docs can be found here.

INSTANT_MATCH_FAILED

Unknown Plaid Auth error code: INSTANT_MATCH_FAILED

Plaid Error

Plaid docs for INSTANT_MATCH_FAILED

400

INSUFFICIENT_CREDENTIALS

Unknown Plaid Auth error code: INSUFFICIENT_CREDENTIALS

Plaid Error

Plaid docs for INSUFFICIENT_CREDENTIALS

400

INVALID_CREDENTIALS

Unknown Plaid Auth error code: INVALID_CREDENTIALS

Plaid Error

Plaid docs for INVALID_CREDENTIALS

400

INVALID_MFA

Unknown Plaid Auth error code: INVALID_MFA

Plaid Error

Plaid docs for INVALID_MFA

400

INVALID_SEND_METHOD

Unknown Plaid Auth error code: INVALID_SEND_METHOD

Plaid Error

Plaid docs for INVALID_SEND_METHOD

400

INVALID_UPDATED_USERNAME

Unknown Plaid Auth error code: INVALID_UPDATED_USERNAME

Plaid Error

Plaid docs for INVALID_UPDATED_USERNAME

400

ITEM_CONCURRENTLY_DELETED

Unknown Plaid Auth error code: ITEM_CONCURRENTLY_DELETED

Plaid Error

Plaid docs for ITEM_CONCURRENTLY_DELETED

400

ITEM_LOCKED

Unknown Plaid Auth error code: ITEM_LOCKED

Plaid Error

Plaid docs for ITEM_LOCKED

400

ITEM_LOGIN_REQUIRED

Unknown Plaid Auth error code: ITEM_LOGIN_REQUIRED

Plaid Error

Plaid docs for ITEM_LOGIN_REQUIRED

400

ITEM_NOT_FOUND

Unknown Plaid Auth error code: ITEM_NOT_FOUND

Plaid Error

Plaid docs for ITEM_NOT_FOUND

400

ITEM_NOT_SUPPORTED

Unknown Plaid Auth error code: ITEM_NOT_SUPPORTED

Plaid Error

Plaid docs for ITEM_NOT_SUPPORTED

400

MFA_NOT_SUPPORTED

Unknown Plaid Auth error code: MFA_NOT_SUPPORTED

Plaid Error

Plaid docs for MFA_NOT_SUPPORTED

400

NO_ACCOUNTS

Unknown Plaid Auth error code: NO_ACCOUNTS

Plaid Error

Plaid docs for NO_ACCOUNTS

400

NO_AUTH_ACCOUNTS

Unknown Plaid Auth error code: NO_AUTH_ACCOUNTS

Plaid Error

Plaid docs for NO_AUTH_ACCOUNTS

400

NO_INVESTMENT_ACCOUNTS

Unknown Plaid Auth error code: NO_INVESTMENT_ACCOUNTS

Plaid Error

Plaid docs for NO_INVESTMENT_ACCOUNTS

400

NO_INVESTMENT_AUTH_ACCOUNTS

Unknown Plaid Auth error code: NO_INVESTMENT_AUTH_ACCOUNTS

Plaid Error

Plaid docs for NO_INVESTMENT_AUTH_ACCOUNTS

400

NO_LIABILITY_ACCOUNTS

Unknown Plaid Auth error code: NO_LIABILITY_ACCOUNTS

Plaid Error

Plaid docs for NO_LIABILITY_ACCOUNTS

400

PRODUCT_NOT_ENABLED

Unknown Plaid Auth error code: PRODUCT_NOT_ENABLED

Plaid Error

Plaid docs for PRODUCT_NOT_ENABLED

400

PRODUCT_NOT_READY

Unknown Plaid Auth error code: PRODUCT_NOT_READY

Plaid Error

Plaid docs for PRODUCT_NOT_READY

400

PRODUCTS_NOT_SUPPORTED

Unknown Plaid Auth error code: PRODUCTS_NOT_SUPPORTED

Plaid Error

Plaid docs for PRODUCTS_NOT_SUPPORTED

400

USER_SETUP_REQUIRED

Unknown Plaid Auth error code: USER_SETUP_REQUIRED

Plaid Error

Plaid docs for USER_SETUP_REQUIRED

400

USER_INPUT_TIMEOUT

Unknown Plaid Auth error code: USER_INPUT_TIMEOUT

Plaid Error

Plaid docs for USER_INPUT_TIMEOUT

400

INCOMPATIBLE_API_VERSION

Unknown Plaid Auth error code: INCOMPATIBLE_API_VERSION

Plaid Error

Plaid docs for INCOMPATIBLE_API_VERSION

400

INVALID_ACCOUNT_NUMBER

Unknown Plaid Auth error code: INVALID_ACCOUNT_NUMBER

Plaid Error

Plaid docs for INVALID_ACCOUNT_NUMBER

400

INVALID_BODY

Unknown Plaid Auth error code: INVALID_BODY

Plaid Error

Plaid docs for INVALID_BODY

400

INVALID_CONFIGURATION

Unknown Plaid Auth error code: INVALID_CONFIGURATION

Plaid Error

Plaid docs for INVALID_CONFIGURATION

400

INVALID_FIELD

Unknown Plaid Auth error code: INVALID_FIELD

Plaid Error

Plaid docs for INVALID_FIELD

400

INVALID_HEADERS

Unknown Plaid Auth error code: INVALID_HEADERS

Plaid Error

Plaid docs for INVALID_HEADERS

400

MISSING_FIELDS

Unknown Plaid Auth error code: MISSING_FIELDS

Plaid Error

Plaid docs for MISSING_FIELDS

400

NO_LONGER_AVAILABLE

Unknown Plaid Auth error code: NO_LONGER_AVAILABLE

Plaid Error

Plaid docs for NO_LONGER_AVAILABLE

400

NOT_FOUND

Unknown Plaid Auth error code: NOT_FOUND

Plaid Error

Plaid docs for NOT_FOUND

400

SANDBOX_ONLY

Unknown Plaid Auth error code: SANDBOX_ONLY

Plaid Error

Plaid docs for SANDBOX_ONLY

400

UNKNOWN_FIELD

Unknown Plaid Auth error code: UNKNOWN_FIELD

Plaid Error

Plaid docs for UNKNOWN_FIELD

400

LAST_UPDATED_DATETIME_OUT_OF_RANGE

Unknown Plaid Auth error code: LAST_UPDATED_DATETIME_OUT_OF_RANGE

Plaid Error

Plaid docs for LAST_UPDATED_DATETIME_OUT_OF_RANGE

400

PLAID_DIRECT_ITEM_IMPORT_RETURNED_INVALID_MFA

Unknown Plaid Auth error code: PLAID_DIRECT_ITEM_IMPORT_RETURNED_INVALID_MFA

Plaid Error

Plaid docs for PLAID_DIRECT_ITEM_IMPORT_RETURNED_INVALID_MFA

400

ACCOUNTS_LIMIT

Unknown Plaid Auth error code: ACCOUNTS_LIMIT

Plaid Rate Limit

Plaid docs for ACCOUNTS_LIMIT

400

ADDITION_LIMIT

Unknown Plaid Auth error code: ADDITION_LIMIT

Plaid Rate Limit

Plaid docs for ADDITION_LIMIT

400

AUTH_LIMIT

Unknown Plaid Auth error code: AUTH_LIMIT

Plaid Rate Limit

Plaid docs for AUTH_LIMIT

400

BALANCE_LIMIT

Unknown Plaid Auth error code: BALANCE_LIMIT

Plaid Rate Limit

Plaid docs for BALANCE_LIMIT

400

IDENTITY_LIMIT

Unknown Plaid Auth error code: IDENTITY_LIMIT

Plaid Rate Limit

Plaid docs for IDENTITY_LIMIT

400

INSTITUTIONS_GET_LIMIT

Unknown Plaid Auth error code: INSTITUTIONS_GET_LIMIT

Plaid Rate Limit

Plaid docs for INSTITUTIONS_GET_LIMIT

500

INSTITUTIONS_GET_BY_ID_LIMIT

Unknown Plaid Auth error code: INSTITUTIONS_GET_BY_ID_LIMIT

Plaid Rate Limit

Plaid docs for INSTITUTIONS_GET_BY_ID_LIMIT

400

INVESTMENT_HOLDINGS_GET_LIMIT

Unknown Plaid Auth error code: INVESTMENT_HOLDINGS_GET_LIMIT

Plaid Rate Limit

Plaid docs for INVESTMENT_HOLDINGS_GET_LIMIT

400

INVESTMENT_TRANSACTIONS_LIMIT

Unknown Plaid Auth error code: INVESTMENT_TRANSACTIONS_LIMIT

Plaid Rate Limit

Plaid docs for INVESTMENT_TRANSACTIONS_LIMIT

400

ITEM_GET_LIMIT

Unknown Plaid Auth error code: ITEM_GET_LIMIT

Plaid Rate Limit

Plaid docs for ITEM_GET_LIMIT

400

RATE_LIMIT

Unknown Plaid Auth error code: RATE_LIMIT

Plaid Rate Limit

Plaid docs for RATE_LIMIT

400

TRANSACTIONS_LIMIT

Unknown Plaid Auth error code: TRANSACTIONS_LIMIT

Plaid Rate Limit

Plaid docs for TRANSACTIONS_LIMIT

400

INCORRECT_OAUTH_NONCE

Unknown Plaid Auth error code: INCORRECT_OAUTH_NONCE

Plaid Error

Plaid docs for INCORRECT_OAUTH_NONCE

400

INCORRECT_LINK_TOKEN

Unknown Plaid Auth error code: INCORRECT_LINK_TOKEN

Plaid Error

Plaid docs for INCORRECT_LINK_TOKEN

400

OAUTH_STATE_ID_ALREADY_PROCESSED

Unknown Plaid Auth error code: OAUTH_STATE_ID_ALREADY_PROCESSED

Plaid Error

Plaid docs for OAUTH_STATE_ID_ALREADY_PROCESSED

400

OAUTH_STATE_ID_NOT_FOUND

Unknown Plaid Auth error code: OAUTH_STATE_ID_NOT_FOUND

Plaid Error

Plaid docs for OAUTH_STATE_ID_NOT_FOUND

400

MICRODEPOSITS_UNSUPPORRTED_ENVIRONMENT

Unknown Plaid Auth error code: MICRODEPOSITS_UNSUPPORRTED_ENVIRONMENT

Plaid Error

Plaid docs for MICRODEPOSITS_UNSUPPORRTED_ENVIRONMENT

400

SANDBOX_PRODUCT_NOT_ENABLED

Unknown Plaid Auth error code: SANDBOX_PRODUCT_NOT_ENABLED

Plaid Error

Plaid docs for SANDBOX_PRODUCT_NOT_ENABLED

400

SANDBOX_WEBHOOK_INVALID

Unknown Plaid Auth error code: SANDBOX_WEBHOOK_INVALID

Plaid Error

Plaid docs for SANDBOX_WEBHOOK_INVALID

400

SANDBOX_ACCOUNT_SELECT_V2_NOT_ENABLED

Unknown Plaid Auth error code: SANDBOX_ACCOUNT_SELECT_V2_NOT_ENABLED

Plaid Error

Plaid docs for SANDBOX_ACCOUNT_SELECT_V2_NOT_ENABLED

400

SANDBOX_TRANSFER_EVENT_TRANSITION_INVALID

Unknown Plaid Auth error code: SANDBOX_TRANSFER_EVENT_TRANSITION_INVALID

Plaid Error

Plaid docs for SANDBOX_TRANSFER_EVENT_TRANSITION_INVALID

400


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