Netspend API Business Errors

The given subaccount has a pending transfer, and cannot be closed.

This error may occur when trying to close a subaccount.

Ensure all the transfers on the subaccount are completed before trying to close it.

The given account is inactive, which will block access to a number of features.

This error may occur when trying to use Payback Rewards, Overdraft or Statements endpoints.

Check the account status via the GET /accounts/{account_id} endpoint to determine what needs to be done to make the account active.

The account related to the endpoint call could not be found.

This error may occur with any endpoint that involves an account.

Double check the account id to make sure it is valid and belongs to a valid account.

The account level transfer (deposit or withdrawal) cannot be found.

This error may occur when using Partner Account Transfer or Subaccount transfer endpoints.

Double check your deposit or withdrawal id to make sure it is valid

The residential or shipping address was canadian.

This error may occur with any endpoint involving an address.

Use a non-Canadian address.

The residential or shipping address does not allow for general delivery.

This error may occur with any endpoint involving an address.

Double check the address and try to make the address more specific.

The residential or shipping address has a component mismatch.

This error may occur with any endpoint involving an address.

Double check the components of the address and correct.

The residential or shipping address has multiple matches.

This error may occur with any endpoint involving an address.

Double check the address and try to make the address more specific.

The residential or shipping address value or number is out of range.

This error may occur with any endpoint involving an address.

Double check the address for out of range values and correct.

The residential or shipping address could not be validated as a deliverable address.

This error may occur with any endpoint involving an address.

Double check the address and correct to be a deliverable address.

The residential or shipping address is a PO box.

This error may occur with any endpoint involving an address.

Double check the address and correct to be a street address instead of a PO box.

The residential or shipping address refers to a private mailbox.

This error may occur with any endpoint involving an address.

Double check the address and correct with a non-private mail box address.

The residential or shipping address street could not be found or verified.

This error may occur with any endpoint involving an address.

Double check the street and correct with valid value.

The residential or shipping address had a general verification error.

This error may occur with any endpoint involving an address.

Double check the address for errors.

The residential or shipping address has an invalid zip code.

This error may occur with any endpoint involving an address.

Double check the zip code and correct with valid value.

No term acceptance found for card owner.

This error may occur with any endpoint involving an agreement acceptance.

The end user should be reminded of accepting any pending agreements.

The requested agreement was not found

This error may occur with an endpoint searching for the accepted agreements for a person.

Ensure that you provide the correct account in the request.

No term subscription found for account.

This error may occur with the endpoint involving an agreement.

The end user should be reminded of accepting any pending agreements.

Account is already enrolled in a feature eg., savings.

This error may occur for an endpoint related to a feature enrollment where the user has already enrolled for the feature.

No enrollment is required.

The transfer amount is greater than the maximum allowed amount.

This error may occur with the endpoints related to external transfer.

Ensure that you provide the transfer amount within the allowed range of amount.

The transfer amount is less than the minimum allowed amount.

This error may occur with the endpoints related to external transfer.

Ensure that you provide withdrawal amount within the allowed range of amount.

Invalid authentication factor provided for session creation request.

This error may occur with an endpoint while getting the session information.

Ensure the session is authenticated before sending the request.

User should attempt to relink their account.

This error can occur with any endpoint related to the external bank transfer.

Relink the account and resend the request.

The number of allowed bank transfers per 24-hour period have already occurred.

Occurs while initiating external bank transfer or withdrawal. Wait until the period has passed and try again.

Check and provide the correct account_id in the request. Wait for the period to expire and attempt the transfer again.

Invalid card brand provided in the card order request.

This error may occur while using the endpoint to create a digital card.

Check if the brand details are correctly entered OR select from the brands that are available.

Encryption error occurred during card tokenization for mobile wallets.

This error may occur while using any endpoint involving creating a pay token.

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Card is not eligible for reset PIN and activation.

This error may occur either during setting a PIN or creating a pay token.

Ensure that the card is active, not expired, and there are no blocks on the card or account.

Invalid card id either in the path or in the request body.

This error may occur when trying any card related endpoints except for saring brand or creating and ordering a new card.

Check if you provided the correct card details in the request.

Card is inactive because it is expired, lost, or stolen.

This error may occur when enrolling an account in the overdraft program and the account owner's card is invalid.

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Card order is not allowed.

This error may occur while running an endpoint to create a new card - physical, digital or virtual.

Ensure that the primary owner holds a card before ordering a card for the secondary owner OR ensure details for program_id and account_create_context match.

Card verification has expired.

This error occurs while setting a card PIN.

Make another call to POST /cards/{card_id}/verify, obtain the new card_verification_result_id, and attempt to set the card PIN again.

Card verification cannot be completed. Card might be closed or invalid card.

This error may occur while trying to verify a physical card.

Enter details for a card that is not closed.

The issue requires the user to contact customer service.

This error may occur when trying to creade or update a person.

Ensure that the SSN is not already associated with another active account.

Cannot deserialize the provided encrypted data.

This error may occur while trying to answer any identity question, verifying people using personal information, or while creating a new session.

Verify the encryption algorithm and re-encrypt the data.

Unable to enroll in savings due to incomplete workflow steps.

This error may occur when trying to enroll an acocunt in the Savings program.

Attempt the work flow steps again.

Invalid document request id either in the path or request body.

This error may occur when invoking any endpoints related to the document requests.

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Document upload is not allowed. Either KYC is already approved or documents have already been uploaded.

This error may occur when trying to upload any documents that are requested.

No action is required.

The verification PIN does not match the actual PIN.

This error may occur when verifying a physical card.

Verify and correct the card_id and encrypted_data in the request.

The external bank account is already linked to the user or another Netspend account.

This error may occur when trying to link an external bank account.

No action is needed as the bank account is already linked.

The ACH Transfer account has already made the maximum number of successful external bank links in 24 hrs.

This error may occur when trying to execute external bank transfer.

Execute the transfer after the limit period is over.

Cannot link the external bank account

This error may occur when linking to an external bank.

Check and provide the correct inputs in the request.

The ACH Transfer account already has maximum number of external bank linked

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Due to previous ACH return(s) on this account, request cannot be processed.

This error may occur when trying to use any endpoints for external bank deposits or withdrawals.

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Bank owner name does not match with netspend account owner name.

This error occurs while using external bank transfer endpoints.

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Only the linker of the external account can perform this action.

This error may occur when trying external bank withdrawal endpoints.

Ensure the person details in the request are the details of the linker.

Person does not have permission to perform this action

This error occurs when trying the external bank deposit/withdrawal endpoints.

Ensure the details of the person in the request are of the person with permission to perform the required action.

Deposit with specified id is not found

This error may occur when trying to execute external bank deposit.

Check the deposit id provided in the request.

This error indicates that ACH Transfer has failed.

This error may occur while getting or executing external bank deposit/withdrawal.

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This error indicates that specific withdrawal id is not found.

This error may occur when trying to execute external bank withdrawal.

Check and provide correct id in the request.

An account or person is not actively enrolled in the External Bank or Remote Deposit Capture features.

This error may occur when working with External Bank Transfers or Remote Deposit Capture.

Check and provide correct IDs in the request.

• External Bank Transfers: Provide the correct external_bank_id
• Remote Deposit Capture: Provide the correct account_id, connect_id, or person_id.

Issues trying to exercise the feature.

This error may occur while validating the account while activating a card, creating an account, as well as performing various transfer activities.

Check if there is any block on the account like closed, compliance, pin_failure, and so on.

The ID scan document has already been uploaded.

This error occurs while uploading an identity scan document.

Check and provide correct encypted data in the request.

The time window for performing the ID scan upload has expired.

This error occurs while uploading an ID scan document.

Upload the ID scan document again. Check network latency.

The ID scan is not available or the most recent ID scan transaction is already complete.

This error may occur when trying to upload and identity scan image.

Check the status of the ID scan. Wait and try the ID scan upload again.

The ID scan request was invalid, for example, due to a corrupt file.

This error may occur when trying to upload an identity scan file.

Check and provide a non-corrupt file in the upload request.

The answer to an Identity verification question was not found.

This error occurs when submitting answers to an Identity verification question.

Check and provide the correct question ID in the request.

The person has already answered identity questions.

This error may occur when submitting answers to identity questions.

Check and provide correct person_id and encrypted data in the request.

Identity verification question was not found for the provided ID.

This error may occur when requesting identity questions or submitting answers.

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Identity verification questions are not configured for the partner, no questions available for the user, or the question set has expired.

This error may occur when requesting identity questions or submitting answers.

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General error for insufficient funds

This error may occur when using any endpoints for transferring funds, making deposits and withdrawals, and so on.

Check available funds before submitting a request.

General error for an invalid status.

This error may occur anytime an entity (such as an account) is inactive, a feature is not offered, and so on.

Check the `status` and `status_reason` fields in the response.

KYC approval is required for the given operation.

This error may occur when working with accounts, subaccounts, document requests, people, and cards.

Process the needed KYC workflows.

Updates to a person's KYC status are not allowed when the person's KYC status is "approved" or "conditional"

This error may occur when trying to update a person.

Ensure that you are not updating KYC details for a person with KYC status as “approved” or “conditional”. If yes, you won’t be able to update the KYC details.

Bank account for provided ID could not be found.

This error may occur when trying to retrieve the external bank permissions.

Ensure that the correct linked bank account details are added in the request.

Debit card for provided ID could not be found.

This error may occur when trying to unlink an external card, initiate or execute an external card withdrawal request.

Check the debit card details added in the request.

Debit card transaction for provided ID could not be found.

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Check the transaction id provided.

Maximum number of owners for a given account has been reached.

This error may occur when trying to create new person against an existing account.

You cannot add more active account owners.

Maximum number of active cards for the account or person has been reached.

This error may occur when trying to create a new digital card.

You cannot add more active digital cards.

Maximum number of verification attempts has been reached.

This error may occur when you try verifying a physical card multiple times.

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Overdraft is not allowed for the partner or account.

This error may occur when trying to enroll the account with enroll overdraft.

Check the partner/account details provided.

Overdraft program not available or configured for the partner.

This error may occur when trying to run any overdraft endpoints.

If you have this program available, check the configuration.

Only part of the funds in a debit card funding were transferred.

This error may occur while initiating or executing.

Check the account balance.

Partner cannot be found for given id.

This error may occur when trying any Partern Account Transfer endpoints or while authenticating the user in Ingo.

Ensure correct partner id is provided.

Account has not opted into the payback rewards program.

This error may occur when trying to get payback rewards offers information.

Ensure the account has opted in to payback rewards program.

Payback reward offer not found for provided ID

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Check the id provided.

The person in the session is not allowed to change the requested permission; for example, a secondary person cannot change their own permissions.

This error may occur when managing external bank permissions.

Check and provide the correct ns-session-id, external_bank_id, or person_id.

This is a generic error for a person not being allowed to perform an operation.
It could be for any of the following reasons:

• Person has not completed expected use
• Person has not completed eSign
• Person has not accepted terms & conditions
• Person has KYC unchecked, rejected or conditional

This error may occur when trying to check the eligibility or create a digital card or create a new person.

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General error for not being able to find a person for a provided ID or related to an operation.

This error may occur when trying multiple endpoints such as agreements endpoints, various card endpoints, document request endpoints.

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Person is required to be identified in the session for the given operation.

This error may occur when trying to get list of or unlink external bank or manage external bank permissions.

Ensure that the person session is established at the time of sending the request body.

KYC approval for the primary person (first joint account owner) is required for the given operation.

This error may occur when trying to create a new person for an account.

Ensure KTC is approved for the primary person.

Cannot create a secondary person on an account where a primary does not already exist.

This error may occur when trying to create a new person for an account.

Ensure you have added a primary person on the account first.

Provided ID not found; currently applies to agreements operations.

This error may occur when trying to search for agreements.

Ensure correct id is provided in the request.

Provided ID not valid; currently applies to agreements operations.

This error may occur when trying to search for agreements.

Ensure the correct id is provided.

The daily, weekly, or monthly monetary amount limit for the receiver of the transfer has been reached.

This error may occur when trying P2P transfer.

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Transfer feature is not allowed for the receiver.

This error may occur when trying a P2P transfer.

Check if the receiver is inactive or blocked.

Transfer receiver was not found.

This error may occur when trying to initate or update a P2P transfer.

Ensure the correct receiver details are provided.

The daily, weekly, or monthly transfer count limit for the receiver of the transfer has been reached.

This error may occur when trying to initiate deposit as part of partner account transfer.

Cancel current transfer request, check when the receiver can again receive the funds, and accordingly reinitiate the transfer.

Provided state of residence is not allowed.

This error may occur when trying to create and order a new physical card.

If the state of residence entered is incorrect, provide the correct one.

Restriction with the provided id is not found.

This error may occur when trying to retrieve a specific account restriction.

Check if correct. Alternatively, if the restriction is not added, add the appropriate restriction.

Savings account not found for provided ID.

This error may occur when trying to retrieve an automatic savings transfer preference.

Check if savings account for the primary account exists and if found, provide the correct details.

Savings program not found or configured for the partner.

This error may occur when working with savings, accounts, and transactions endpoints

Check if the savings program is configured and if so, verify all inputs to requests.

Savings transfer details not present for the provided withdrawal_id or deposit_id.

This error may occur when executing a savings withdrawal or deposit.

Check and provide the correct ID in the request. Also check and provide the correct account_id.

Savings account transfer preference already exists for provided automatic transfer ID.

This error may occur when adding an automatic savings transfer enrollment.

Check and provide the correct automatic transfer ID in the request. Also check and provide the correct account_id.

The provided savings account transfer preference ID was not found.

This error may occur when retrieving, adding, or deleting an automatic savings account transfer.

Check and provide the correct automatic transfer ID in the request. Also check and provide the correct account_id.

Secondary person already exists for the account.

This error may occur when attempting to create a secondary person and a secondary person already exists on the account.

Check and provide the correct account_id in the identity_context object in the request. Also check and provide the correct relationship

The daily, weekly, or monthly monetary amount limit for the sender of the transfer has been reached.

This error may occur when initiating a P2P transfer.

Check and provide the correct sender_person_id and amount in the request.

Transfer feature is not allowed for the sender.

This error may occur when initiating a P2P transfer.

Check and provide the correct sender_person_id in the request.

The daily, weekly, or monthly transfer count limit for the sender of the transfer has been reached.

This error may occur when initiating a P2P transfer.

Check and provide the correct sender_person_id in the request.

The selected service level (the selected timeliness of completion) is not offered.

This error may occur when initiating an external bank withdrawal.

Check and provide the correct service_level value (`same_day` or `standard`) in the request.

Requested change to the source of the session is not allowed; for example from person to account.

This error may occur when changing a session's `source_id`. You can only change from: (1) anonymous to account or persion or (2) from account to person.

Check and provide the correct new `source_id` depending on the current source.

Social security number not allowed when creating or patching the person on a subaccount.

This error may occur when creating or updating a person and:

• The account_id you passed represents a subaccount
• The encrypted data includes a government ID

• Verify that you want to attach the person to a subaccount. If so, pass encrypted data with other than a government ID.
• Otherwise, check the account_id and change it to a non-subaccount.

No statements available.

This error may occur when getting an account's available statements or the account's generated statement URL and either of the following:

• The account does not have statements available (if it was recently opened)
• The requested statement period is outside the range of available statements.

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Sub account transfer deposit not found for the provided account_id and deposit_id.

This error may occur when retrieving, executing, or cancelling a subaccount deposit request.

Check and provide a correct account_id and deposit_id

Sub account transfer withdrawal not found for the provided IDs.

This error may occur when creating, retrieving, executing, or cancelling a subaccount withdrawal request.

Check and provide a correct ID depending on the operation:

Survey question was already answered.

Survey was already answered.

Check to see if answering surveys multiple times is supported.

Survey answer not found.

This error may occur when trying to answer a survey question.

Check and provide correct answer to the survey question.

Survey not found.

This error may occur when trying account onboarding.

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Survey question was not found.

This error may occur when trying account onboarding.

Very low probability of getting this error. If occured, check the survey question id.

Authorization to a third party service used by Netspend failed.

This error may occur when trying to authenticate user with third party service, for example Ingo.

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Authorization token was not found.

This error may occur when trying to redeem a token.

Check if you are providing the right token.

The transaction was declined pending further verification.

This error may occur when trying to executing external bank deposit or withdrawal or when trying to initiate or execute extrnal card withdrawal.

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The specified transaction was not found.

This error may occur when retrieving transaction details or searching for transactions.

• If retrieving transaction details, verify and provide the correct transaction_id in the request.
• If searching for a transaction, verify and provide the correct transaction_id as the starting_after value during pagination.

Transfer has already completed.

This error may occur when trying to cancel a completed or failed transfer request.

No remedy is possible. The transaction is either failed or already completed.

Initiated transfer has expired and cannot be executed.

This error may occur when executing an initiated transfer where the transfer is either expired or has been already executed.

Check if a fresh transfer is required in case the initiated transfer is expired.

Transfer is not allowed.

This error may occur when trying to initiate a subaccount deposit request.

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Transfer cannot be found.

This error may occur when trying to endpoints related to P2P transfer.

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Update to the transfer (initiated, pending or otherwise) is not allowed.

This error may occur when using any P2P transfer actions.

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Could not find active session for the user where required.

Generic error and may occur when trying multiple activities such as verifying physical card or person, external bank actions, or session information.

Ensure you have an active session before sending a request.

Number of attempts allowed per day, week or month exceeded.

This error may occur when trying to initiate or execute external card withdrawal request.

Wait for the next permissible transaction period.