Business Rule Response Codes

Business Rule Response Codes & Sub Codes

Level 1 Code Name	Code	Sub-Code	Description	Treatment
	*	0	General Exception	For a 503, retry the call with the same requestId.
ACTION_RQD	1	10	KYC Required. The enrollment API call was successful.	The user must complete a KYC cure and the registration must be completed using the paymentInstruments endpoint. Check KYCPendingGate for the specific cure.
ENROLLMENT_FAILED	3	65	This product may not be registered in the requested region. An account object will not be created.	No treatment
ENROLLMENT_FAILED	2	11	KYC Failed.	No treatment
ACTION_RQD	1	12	KYC Gate needs to match kycPendingGate
ACTION_RQD	1	21	IDV Scan Upload Failure	IDV image needs to be retaken and resubmitted
ENROLLMENT_FAILED	2	22	IDV Scan Upload Success - Verification Failed	No treatment
ENROLLMENT_FAILED	2	23	IDV Not Readable	Image could not be read. User needs to resubmit.
ENROLLMENT_FAILED	1	24	IDV Name Mismatch	Name on image did not match User’s name on file. User needs to resubmit.
ACTION_RQD	1	30	Non-U.S. Identity given for KYC	User must provide a U.S. Identity
ACTION_RQD	1	31	OFAC Partial Match	Either no treatment or manual. 2 business day SLA for manual.
ENROLLMENT_FAILED	2	32	OFAC Hard Decline	No treatment. This is set as a result of a manually confirmed OFAC hit.
ENROLLMENT_FAILED	2	33	KYC and OFAC Fail	No treatment
ACTION_RQD	1	34	KYC and OFAC Failed. KYC Failure can be treated.	KYC can be treated. OFAC could still fall into a manual review if KYC Passes.
ENROLLMENT_FAILED	2	40	User birthdate under-age required for KYC	User must be at least 18 years of age. Note: This error occurs if a user provided a Date of Birth greater than 18 years old, but the identity verification responded that the user was under 18 years old. Note: If the User provides a Date of Birth < 18 years old that will return as an invalid Date of Birth error.
BUSINESS_OPERATION_FAILED – Activate Card	4	50	Suspected Fraud	Account Status Reason is “Potential Fraud”. The same endpoint that is used for Pre-Registration IDV (POST /accounts/{accountIdentifier}/users/{userIdentifier}/kycGates/idv) is also used for clearing fraud statuses and the potential responses are the same. It provides the ability to cure an account in a Restricted, Potential Fraud state using IDV.
ENROLLMENT_FAILED	2	51	Confirmed Fraud	No treatment
ENROLLMENT_FAILED	2	55	Required terms were not accepted.	The customer may try again and accept the required terms.
ENROLLMENT_FAILED	2	56	An explicit opt In or opt out terms flag was not provided.	Provide the missing opt-in/out terms identifier.
ACCOUNT MANAGEMENT	5	57	Required terms cannot be opted out.	This is not allowed.
ENROLLMENT_FAILED	2	60	Number of Active Accounts Exceeded. In the body, the full enrollment response will be returned containing the details of the active account.
ENROLLMENT_FAILED	2	61	Number of Activated Accounts over Lifetime exceeded
ENROLLMENT_FAILED	2	62	Number of Enrollment Attempts over Lifetime exceeded
ENROLLMENT_FAILED	2	65	Product may not be sold in the requested region.	If a LATAM or Asia Pacific specific bin is available, a Puerto Rico or Guam based customer can register for that product; however, these are not available at this time.
ACCOUNT MANAGEMENT	5	65	This product may not be registered in the requested region. If the state provided in the user’s home address is Puerto Rico (PR) or Guam (GU): An Account object will not be created. US bins will incur foreign transaction fees in Puerto Rico and Guam.
	5	69	Suspected Fraud	When the number of address change requests for an account exceeds the maximum allowed, an error is returned and the address remains unchanged.
	3	100	When an account statusReason is either spendDown or customerInitiatedSpendDown, a transfer into a savings purse is not allowed and the following error will be returned. Furthermore, balances will be automatically transferred from all savings goals to the main account. Funds cannot be transferred into a non-spend purse if an account is in spend down.
	5	100	A savings purse cannot be created for an account that is not in a normal state.
TRANSFER_DISALLOWED	5	100	Operation not allowed unless account status is normal	Check the account status, account status reason and kycPendingGate for the specific cure (if any)
ACCOUNT MANAGEMENT	5	100	Account must be in normal status to add a purse.	Treatment/cure depends on the value in kycPendingGate for the accountHolder. Example: If this is an identity verification (IDV), then the user can cure the state with a successful IDV.
TRANSFER_DISALLOWED	3	101	Transfer Limit exceeded	Partner returns message to user that maximum limit was exceeded and to try again with an amount within the limit
TRANSFER_DISALLOWED	3	102	Account balance limit reached or exceeded.	Partner returns message to user that maximum account balance was exceeded and to try again with an amount that will not cause the balance to be exceeded.
TRANSFER_DISALLOWED	3	103	Insufficient Funds	Partner returns message to user that the account has insufficient funds for the transaction and to try again with an amount within the remaining available balance.
TRANSFER_DISALLOWED BUSINESS_OPERATION_FAILED – Activate Card, Replace Card	3 4	105	Account is closed	There is no treatment other than opening a new account.
TRANSFER_DISALLOWED BUSINESS_OPERATION_FAILED – Activate Card, Replace Card	3 4	106	Account is locked	Check kycPendingGate for the specific cure (if any).
TRANSFER_DISALLOWED	3	109	Invalid Funding Account	Try again with the correct GUID for the Funding Account. This should have been provided to the client offline.
TRANSFER_DISALLOWED BUSINESS_OPERATION_FAILED - , Replace Card	3 4	110	Declined by Fraud check	Check kycPendingGate for the specific cure (if any).
TRANSFER_DISALLOWED	3	111	Initiator does not match the source or target account	Correct one of the initiators, source or target account identifiers.
TRANSFER_DISALLOWED	3	113	ACH Out Velocity Limit	The user needs to reduce their amount, so they do not exceed the velocity limit. For example, the ACH Out limit might be $20,000 in the last 7 days.
TRANSFER_DISALLOWED	3	114	ACH Out Max Transfer Limit	The user needs to reduce the amount to within the maximum transaction amount.
TRANSFER_DISALLOWED	3	115	ACH Out Min Transfer Limit	For some transfers, a minimum transfer amount is required - often $1.00. The user needs to increase the transfer amount above the minimum.
TRANSFER_DISALLOWED	3	120	This transferType is not supported.	No treatment
TRANSFER_DISALLOWED	3	200	Invalid ACH Routing Number	The end user will need to resubmit the transfer request with a corrected ACH Routing Number.
REQUIRED PROPERTY MISSING	0	200	Purse description not provided. A description must be provided for additional purses.	User must enter a description for the purse.
TRANSFER_DISALLOWED	3	201	Invalid ACH Account Number	User must enter the valid account number associated with the ACH transfer.
TRANSFER_DISALLOWED	3	202	Invalid ACH Bank Name	User must enter the valid Bank Name associated with the ACH transfer.
TRANSFER_DISALLOWED	3	203	Invalid ACH First Name	User must enter a valid First Name that is associated with the ACH transfer.
TRANSFER_DISALLOWED	3	204	Invalid ACH Last Name	User must enter a valid Last Name that is associated with the ACH transfer.
TRANSFER_DISALLOWED	3	205	Invalid ACH Amount	Must be a positive amount.
TRANSFER_DISALLOWED	3	206	Invalid ACH Account Type	User must enter the correct ACH Account Type.
BUSINESS_OPERATION_FAILED	4	300	Card was reported Lost/Stolen	The operation cannot be performed against a card that was reported lost/stolen.
BUSINESS_OPERATION_FAILED	4	301	Card is Blocked
BUSINESS_OPERATION_FAILED	4	302	Card and User Identification Failed	The PAN/Expiration Date/CVV/Last 4 SSN combination failed identification. This will apply to Green Dot IVR initially.
BUSINESS_OPERATION_FAILED	4	303	A Payment Instrument must be the most recent Payment Instrument to be activated or replaced.	A more recent card must be activated or replaced.
BUSINESS_OPERATION_FAILED	4	304	Payment Instrument was already activated	No action required. The card is already active.
BUSINESS_OPERATION_FAILED	4	305	Invalid Pin Provided	Pin cannot repeat the same digits 4 or more times. Pin cannot be monotonically increasing/decreasing for 4 or more consecutive digits. Pin cannot match the last 4 of PAN or last 4 of SSN. Do not share this with the user.
BUSINESS_OPERATION_FAILED	4	306	Invalid Pin Length	Pin must be exactly 4 digits
BUSINESS_OPERATION_FAILED Note: Applies to Post PaymentInstruments endpoint only.	4	307	The operation cannot be completed since the account is not healthy.	A Payment Instrument cannot be created for a pending account unless kycPendingGate is healthy. If kycPendingGate is “idv” then use the kycGates endpoint. If kycPendingGate is “manual” then an accountUpdated alert will be sent when the account is updated. If it is “none” then the account registration cannot be completed.
BUSINESS_OPERATION_FAILED	4	308	Cannot report a payment instrument as Not Received or Damaged within 10 days of the payment instrument being issued.	Customer can try again once its 10 days after the issued date.
BUSINESS_OPERATION_FAILED	4	309	Only a notActivated Payment Instrument can be activated.	Another notActivated paymentInstrument must be selected.
BUSINESS_OPERATION_FAILED	4	310	An initial physical card cannot be requested on an account that already has a physical card.
ACTION_RQD	1	320	Private Payment Instrument Data cannot be returned for a virtual card	If it’s been 15 days since the virtual card was activated or the virtual card is no longer active, then encryptedPrivatePaymentInstrumentData will not be returned for the virtual card.
ACTION_RQD	1	321	As above	The ATM Pin was not set yet for the card so the encryptedPrivatePaymentInstrumentData will not be returned for the virtual card.
		322	Physical Card cannot be activated unless the ATM Pin has been set	Physical Card cannot be activated unless the ATM Pin has been set.
REQUIRED PROPERTY MISSING OR MISSING A VALUE	4	323	Payment Instrument cannot be generated due to incorrect mailing address. Note: If an address has been flagged as “returned mail”, a card replacement attempt will not be allowed. When an address is blocked, a userUpdate PN will be sent with the updated “isReturned” flag value. In addition, the account statusReasons will include the “returnedMail” value which will be removed when an address is updated. When the address is updated, the “isReturned flag” will be set back to false and card replacement requests can be re-attempted. A userUpdate PN will also be sent with the updated isReturned flag value.	The user will need to update their address. Once their address is updated, the isReturned flag will be set back to false and card replacements can be re-attempted. When the “isReturned flag” is set to false and the address is unblocked, a userUpdate PN will be sent with the updated “isReturned” flag value.
FIELD LEN TOO LONG	0	400	Purse description must be 100 characters or less.	Enter a description that is less than 100 characters long.
INVALID STRING CHARACTER (640) OR REQUIRED PROPERTY MISSING OR MISSING A VALUE (200)		501	firstName	The specific field needs to be corrected and the request re-submitted.
INVALID STRING CHARACTER (640) OR REQUIRED PROPERTY MISSING OR MISSING A VALUE (200)		502	lastName	The specific field needs to be corrected and the request re-submitted.
INVALID STRING CHARACTER (640) OR REQUIRED PROPERTY MISSING OR MISSING A VALUE (200)		503	middleName	The specific field needs to be corrected and the request re-submitted.
INVALID STRING CHARACTER (640) OR REQUIRED PROPERTY MISSING OR MISSING A VALUE (200)		504	city	The specific field needs to be corrected and the request re-submitted.
INVALID STRING CHARACTER (640) OR REQUIRED PROPERTY MISSING OR MISSING A VALUE (200)		505	addressLine1	The specific field needs to be corrected and the request re-submitted.
INVALID STRING CHARACTER (640) OR REQUIRED PROPERTY MISSING OR MISSING A VALUE (200)		506	addressLine2	The specific field needs to be corrected and the request re-submitted.
INVALID ENUM VALUE	0	600	Invalid purse type	User must enter a valid purse type (i.e savings).
DUPLICATE RESOURCE	0	1060	Duplicate Purse Description	User needs to submit again with a unique name.