error_reason attribute identifies the cause. The possible values are:
error_reason | Description | Country |
|---|---|---|
bank_account_locked | The bank blocks the transfer service for this account. | 🇨🇱 |
bank_connection_error | Fintoc encounters an error while connecting to the selected bank. | 🇨🇱 |
bank_not_available | The selected bank is temporarily unavailable. | 🇨🇱 |
amount_limit_reached | The transfer amount reaches the maximum available amount. | 🇨🇱 |
insufficient_funds | The account does not have enough funds to complete the payment. | 🇨🇱 |
login_credentials_locked | The bank reports that your customer’s login credentials are locked. | 🇨🇱 |
login_invalid_credentials | The bank reports that your customer’s login credentials are invalid. | 🇨🇱 |
maximum_amount_error | The amount exceeds the maximum amount allowed for that bank. | 🇨🇱 |
mfa_authorization_timeout | The multifactor authorization times out before your customer approves the transfer. | 🇨🇱 |
mfa_invalid_authorization | The bank reports that the multifactor authorization is invalid. | 🇨🇱 |
mfa_locked | The multifactor authentication method is locked. | 🇨🇱 |
mfa_unavailable | The multifactor authentication method is unavailable. | 🇨🇱 |
new_contact_amount_limit_reached | The amount exceeds the maximum amount permitted for new contacts. | 🇨🇱 |
new_contact_transfer_number_limit_reached | Your customer reaches the maximum number of transfers allowed for new contacts. | 🇨🇱 |
recipient_account_not_allowed | The bank reports that the recipient account cannot receive transfers. | 🇨🇱 |
unresolved_final_status | The bank cannot confirm whether the payment completed. This reason appears only when Fintoc cannot validate a pending payment after 10 days. | 🇨🇱 |
widget_closed | Your customer closes the widget before completing the payment. | 🇨🇱/🇲🇽 |
user_left | Your customer leaves the payment flow before selecting an account or entering bank account credentials. | 🇨🇱/🇲🇽 |
new_payment_intent_in_progress | Starting a new payment intent before completing the previous one cancels the original payment intent. | 🇨🇱/🇲🇽 |
Fintoc may add more
error_reason values. Your integration must handle values that this table does not list.