Transactions returned from the /get_transactions endpoint, if they have failed, will have an error code and error message returned with them. These are the error codes we return as of version 0.2.
A bank account with the given name does not exist under the user handle's linked accounts.
The specified bank account is invalid. It may be closed or have invalid values.
A bank account debit could not be completed due to insuffient funds.
An Instant ACH transaction was rejected. This could be due to suspected fraud, a previous ACH return in the past 180 days, or insufficient funds.
An Instant ACH transaction was rejected due to insufficient funds in the bank account to initiate a transaction.
(Note that there could have been sufficient funds to cover the transaction, but if the remaining balance from unsettled funds and the transaction amount would approach 0 too closely, we reject it since there could be other incoming debits to the account from other sources at the same time.)
An Instant ACH transaction was rejected because the bank account balance could not be checked through Plaid.
The string on the end of this error code (replacing *) is the error code returned by Plaid. You can see more details at https://plaid.com/docs/errors/ .
An instant ACH transaction was rejected because the bank account balance could not be checked through Plaid and, unexpectedly, we did not get an error code from Plaid.
You can retry this transaction at a later time.
An Instant ACH transaction was rejected due to one or more risk factors, such as a previous ACH return in the past 180 days or suspected fraud.
There was an ACH return on a transaction.
An address in this transaction is blacklisted.
There are insufficient funds at the user handle's associated blockchain address. This can apply to /issue_sila request when there is a late-dated return.
Provided blockchain address for user handle is invalid. It could be that it is a smart contract address, is not a real address, or is not on our betalist (temporary whitelist).
An address in this transaction is not on the contract's betalist (temporary whitelist).
The request count limit has been reached for the current application.
The transaction timed out on the blockchain and can be retried.
All further transactions are temporarily disabled on the Sila platform.
The address specified to pay the transaction fee had insufficient funds.
A non-ACH transaction was requested while non-ACH transactions are temporarily unsupported.
Too many transactions have been requested in a short span of time. Try waiting and retrying later.
The amount specified in the transaction was too low for it to complete.
The amount specified in the transaction was higher than allowed transaction limit.
The amount may have been for an issue or redeem transaction and been a decimal value; this would convert to a fraction of a cent, which is not permitted on bank account transactions.
The user has not replied to an Instant-ACH transaction SMS confirmation. The transaction is now canceled.
This is an unknown error. Contact us ASAP if a transaction has this error code!
This user is not permitted to transact at this time.
The user has not been KYC-verified.
Any code in <>
Contact us ASAP if you catch one of these!
Updated about 2 months ago