Chilean transfer failure reasons

When a Chilean outbound transfer reaches the failed status, the Transfer includes an error_reason that explains why. Fintoc sends a transfer.outbound.failed webhook with the same Transfer.

Fintoc returns the funds. Fintoc credits the full amount back to your available balance. The recipient does not receive the funds.
Fintoc does not retry a failed transfer. To send the payment again, create a new transfer with a new Idempotency-Key. Reusing the original key returns the original response.
error_reason is null in every other case. Transfers in any status other than failed and all Mexican transfers report error_reason: null.
Split transfers report one reason. When every part of a split transfer fails, the error_reason comes from the last part that failed.

Failure reasons

The Action column tells you whether to send the payment again later or to fix something before you send it again:

`error_reason`	Description	Action
`recipient_institution_timeout`	The recipient’s bank did not respond in time.	Retry later with a new transfer.
`recipient_institution_unavailable`	The recipient’s bank is unavailable, for example during scheduled maintenance.	Retry later with a new transfer.
`invalid_recipient_account`	The recipient’s bank reports that the account number is invalid.	Fix `counterparty.account_number`, then send a new transfer.
`recipient_account_not_found`	The account number does not exist at the recipient’s bank.	Check `counterparty.account_number` and `counterparty.institution_id`, then send a new transfer.
`recipient_account_closed`	The recipient’s account is closed.	Ask the recipient for another account.
`invalid_recipient_holder_id`	The recipient’s bank reports that the Chilean tax ID (RUT) is invalid.	Fix `counterparty.holder_id`, then send a new transfer.
`invalid_holder_id_account_relationship`	The RUT does not belong to the holder of the account.	Confirm `counterparty.holder_id` and `counterparty.account_number` with the recipient, then send a new transfer.
`account_type_not_enabled`	The recipient’s account type cannot receive this transfer.	Check `counterparty.account_type`. If it is correct, ask the recipient for another account.
`recipient_account_disabled_for_tef`	The recipient’s account is not enabled to receive electronic funds transfers (TEF).	Ask the recipient to enable transfers with their bank or to give you another account.
`product_account_not_enabled`	The recipient’s account product is not enabled to receive transfers.	Ask the recipient for another account.
`recipient_account_credit_restricted`	The recipient’s account has a restriction that blocks incoming funds.	Ask the recipient to resolve the restriction with their bank or to give you another account.
`recipient_institution_amount_limit_exceeded`	The amount exceeds the maximum that the recipient’s bank accepts.	Send a smaller amount, or ask the recipient for an account at another bank.
`system_amount_limit_exceeded`	The amount exceeds the maximum that the Chilean low-value payments clearing house (Cámara de Pagos de Bajo Valor) accepts.	Send a smaller amount.
`unknown`	The recipient’s bank or the clearing house returned a reason that does not map to any other value.	Check the counterparty details. If new transfers keep failing with `unknown`, contact Fintoc support with the transfer `id`.

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Chilean transfer failure reasons

Failure reasons

Home

Resources

Payments

Business Accounts

Movements

Skeleton group medium 9

​Failure reasons

Failure reasons