Payment failures are a special class of errors that occur only after a payment is created.
They require you to investigate and resolve the underlying condition before retrying.
Common causes include:
- Insufficient balance
- Credit or transaction limits exceeded
- Past-due invoices
- Invalid or inactive beneficiary account details
For the list of applicable codes, see the Payment failure codes reference section in the error codes reference.
| Code | Type | Title | Description | Status |
|---|---|---|---|---|
| USR_062 | USER_ERROR | Transaction limit reached | Payment failed because you have already made {0} transactions in a 24-hr period. Try again later. | 402 |
| USR_064 | USER_ERROR | Credit limit reached | Payment failed because you have already reached your credit limit. | 402 |
| USR_066 | USER_ERROR | Invoice past due | Payment failed because you have a past-due invoice. If you have already submitted a payment confirmation, try again later or contact technical support. | 402 |
| USR_067 | USER_ERROR | Insufficient balance | Payment failed due to insufficient balance. Add funds to your account and try again. | 402 |
| USR_151 | USER_ERROR | Invalid identity information | Payment failed due to one or more errors in the beneficiary identity details. Create a new beneficiary identity with valid values and try again. | 400 |
| USR_152 | USER_ERROR | Conflicting beneficiary name info | Payment failed because both Cdtr.Nm and Cdtr.StrdNm fields are populated in the beneficiary identity information. Only one of these fields must be present. If the beneficiary is an institution, specify only Cdtr.Nm. If the beneficiary is an individual, specify only Cdtr.StrdNm. | 400 |
| USR_153 | USER_ERROR | Invalid beneficiary account identifier | Payment failed because the beneficiary account identifier you provided is invalid. Create a new beneficiary identity with a valid value in the CdtrAcct.Othr.Id field. | 400 |
| USR_154 | USER_ERROR | Missing beneficiary account identification scheme code | Payment failed because the beneficiary’s account identification scheme code is missing. Create a new beneficiary identity with the value specified in the CdtrAcct.Id.Othr.SchmeNm.Cd field. | 400 |
| USR_155 | USER_ERROR | Invalid beneficiary account identification scheme code | Payment failed because the beneficiary’s account identification scheme code is invalid. Create a new beneficiary identity with a valid scheme code specified in the CdtrAcct.Id.Othr.SchmeNm.Cd field. For more information, contact your Ripple liaison. | 400 |
| USR_156 | USER_ERROR | Missing Beneficiary Information | Payment failed because the beneficiary identity doesn’t have the required PII. Create a new beneficiary identity with the required Cdtr object and try again. | 400 |
| USR_157 | USER_ERROR | Missing beneficiary account information | Payment failed because the originator identity doesn’t have required information about the beneficiary’s account where the funds will be received. Create a new beneficiary identity with the required CdtrAcct object and try again. | 400 |
| USR_158 | USER_ERROR | Missing beneficiary name | Payment failed because the beneficiary identity doesn’t contain the beneficiary’s name. Create a new beneficiary identity with the required Cdtr.Nm field if the beneficiary is an institution, or the Cdtr.StrdNm field if the beneficiary is an individual and try again. | 400 |
| USR_159 | USER_ERROR | Missing beneficiary account identifier and type | Payment failed because the beneficiary’s unique account identifier and the identifier type are missing. Create a new beneficiary identity with this information in the CdtrAcct.Id.Othr field and try again. | 400 |
| USR_160 | USER_ERROR | Missing beneficiary account identifier | Payment failed because the beneficiary’s unique account identifier is missing. Create a new beneficiary identity with this information in the CdtrAcct.Id.Othr.Id field and try again. | 400 |
| USR_161 | USER_ERROR | Missing beneficiary name | Payment failed because the beneficiary identity doesn’t contain the beneficiary’s name. Create a new beneficiary identity with the required Cdtr.Nm field if the beneficiary is an institution, or the Cdtr.StrdNm field if the beneficiary is an individual and try again. | 400 |
| USR_162 | USER_ERROR | Missing beneficiary account identifier and type | Payment failed because the beneficiary’s unique account identifier and the identifier type are missing. Create a new beneficiary identity with this information in the CdtrAcct.Id.Othr field and try again. | 400 |
| USR_163 | USER_ERROR | Missing beneficiary account identifier | Payment failed because the beneficiary’s unique account identifier is missing. Create a new beneficiary identity with this information in the CdtrAcct.Id.Othr.Id field and try again. | 400 |
| USR_166 | USER_ERROR | Incorrect account number | Payment failed because the account number you provided doesn’t match the beneficiary’s account number. | 400 |
| USR_169 | USER_ERROR | Unable to find payment destination | Payment failed because the beneficiary’s account you specified could not be found. Try again with valid beneficiary information. | 400 |
| USR_170 | USER_ERROR | Unable to find payment destination | Payment failed because the beneficiary’s account you specified could not be found. Try again with valid beneficiary information. | 400 |
| USR_171 | USER_ERROR | Incorrect request data format | Payment failed because one or more fields in the request contain incorrectly formatted data. Try again with correctly formatted request parameters. | 400 |
| USR_172 | USER_ERROR | Inactive beneficiary account | Payment failed because the beneficiary account you specified for this payment is inactive. Try again with a valid and active beneficiary account. | 400 |
| USR_173 | USER_ERROR | Conflicting beneficiary name info | Payment failed because both Cdtr.Nm and Cdtr.StrdNm fields are populated in the beneficiary identity information. Only one of these fields must be present. If the beneficiary is an institution, specify only Cdtr.Nm. If the beneficiary is an individual, specify only Cdtr.StrdNm. | 400 |
| USR_174 | USER_ERROR | Invalid beneficiary account information | Payment failed because there are one or more errors in the beneficiary account information. Try again with valid beneficiary account information. | 400 |
| USR_201 | USER_ERROR | Transaction limit reached | Payment failed because you have already made {0} transactions in a 24-hr period. Try again later. | 400 |
| USR_203 | USER_ERROR | Insufficient credit | Payment failed because the payment amount of {0} USD is higher than your available credit amount of {1} USD. If you recently paid an invoice, the available credit amount shown here may be subject to change. | 400 |
| USR_204 | USER_ERROR | Invoice past due | Payment failed because you have a past-due invoice. If you have already submitted a payment confirmation, try again later or contact technical support. | 400 |
| USR_205 | USER_ERROR | Insufficient balance | Payment failed due to insufficient balance. Add funds to your account and try again. | 400 |
| USR_206 | USER_ERROR | Too many pending direct debit transactions | Payment failed because you have too many pending direct debit transactions. Try again after some of the pending transactions are complete. | 400 |