Understanding and handling payment failures

If an in-progress payment fails, Ripple Payments Direct provides details about the failure so that you can take appropriate steps to recover from it. Additionally, it releases any funds that were reserved to complete the payment, and adds them back to your available balance.

Payment failure scenarios

Payment failures can happen for a variety of reasons, some of which are user errors that you can fix, and others that require working with your Ripple liaison or technical services team to resolve. Ripple Payments Direct provides descriptive error messages to help you determine whether you can recover from the failure by simply retrying with the same information, or if you need to make other changes.

The following table lists some commonly occurring payment failures and suggestions for recovery. Note that this is not a complete list of failures that may occur.

Failure reason	Failure details	Suggested actions for failure recovery
Insufficient funds	The available balance in your account is less than the payment amount you specified in your payment request.	Add funds to your account, request a new quote, and initiate a new payment.
Past-due invoice	Your account has a past-due invoice.	Settle the past due invoice, request a new quote, and initiate a new payment.
Transaction limit reached	You have already reached the number of transactions you're allowed to make in a 24-hour period.	When the next 24-hour period begins, request a new quote, and initiate a new payment.
Transaction amount limit exceeded	The payment amount you specified is higher than your account's transaction limit.	Retry the payment with a payment amount that's lower than your account's transaction limit.
Inactive beneficiary	The payment beneficiary you specified is inactive.	Retry the payment with a valid beneficiary ID.
Mismatched identity	The identity ID you provided for the payment beneficiary is not associated with a beneficiary-type identity.	Retry the payment with an accurate beneficiary identity ID.