API Response Codes

Software Partner API Reference

Reference EPS Rev 2.0

API Response Codes

The Pathward API returns (status) for every request. Status represents the overall outcome of the transaction and is not specific to a particular method. Developers should map the following values:

Code	Value	Notes
00	Success	The API request was successful Also indicates approval when returned by transaction processing methods
20	Invalid username	The value <userId /> is already in use in Pathward’s system
21	Invalid TransType	Requested <transType /> method is not permitted for account
22	Invalid Currency Code	Verify that the value for <currencyCode /> is a valid ISO 3 characters currency code
23	Invalid Account Type	Verify the value for <accountType /> element is valid
24	Invalid Source Email	Verify that the value for <sourceEmail /> is valid email format. Value <sourceEmail /> must be unique in Pathward system.
25	Invalid First Name	The value <firstName /> cannot exceed 20 characters
26	Invalid M Initial	The value <mInitial /> cannot exceed 2 characters
27	Invalid Last Name	The value <lastName /> cannot exceed 25 characters
28	Invalid Address	Verify the value <Addr /> in all address tags (addr 1, 2, 3) is valid. Addr 1 value cannot exceed 50 characters. P.O. Boxes are not allowed. See API manuals for acceptable character limits.
29	Invalid Apt Number	Verify the value <aptNum /> is valid. Value cannot exceed 100 characters.
30	Invalid city	The value in the city tag cannot exceed 30 characters
31	Invalid state	The value <state /> cannot exceed 3 characters. U.S. state abbreviation values should contain only 3 characters.
32	Invalid Zip	This indicates the zip code is missing (null), the format for the given country is invalid, or the zip code exceeds the allowable length for the given country.
33	Invalid Mail Address	Verify the value <mailAddr /> is valid. Value cannot exceed 100 characters.
34	Invalid Mail Apt	Verify the value <mailApt /> is valid. Value cannot exceed 100 characters
35	Invalid Mail City	The value <mailCity /> cannot exceed 30 characters
36	Invalid Mail State	The value <state /> cannot exceed 3 characters. Note: U.S. state abbreviation values should contain only 2 characters.
37	Invalid Mail Zip	Verify the value for <mailZip /> is valid
38	Invalid Day Phone	Verify the value <DayPhone /> is valid. For USA and CAN, value must be 10 characters with no dashes.
39	Invalid Evening Phone	Verify the value <evenPhone /> is valid. For USA and CAN, value must be 10 characters with no dashes
40	Invalid SSN	Verify that the value for <ssn /> is valid. Must be 9 numerical characters without dashes.
41	Invalid Date of Birth	Verify that value <dob /> is valid and follows ‘mm-dd-yyyy’ format
42	Invalid Receiving Email	Verify that the value for <recEmail /> is valid email format
43	Invalid Known Account	Value for <knownAccount /> should be “Yes” or “No”
44	Invalid amount	Verify the value <amount /> is being passed without decimals or other non-numerical characters
45	Invalid invNum	The value <invNum /> cannot exceed 50 characters
46	Invalid Routing Number	Verify that the value <RoutingNumber /> is valid. Cannot exceed 9 characters.
47	Invalid Account Number	Invalid Bank Account Number
48	Invalid ccNum	Verify that the value for <ccNum /> element is valid. Card numbers must pass Luhn check.
49	Invalid expDate	Verify that the value for <expDate /> element is valid and follows ‘mmdd’ format.
50	Invalid cvv2	Verify the value <CVV2 /> is valid. Value should be 3 or 4 characters in length.
51	Invalid transNum and/or Unable to act perform actions on transNum due to funding	Verify that the value <transNum /> is a valid numerical value, OR the requested action cannot be performed on the transaction.
52	Invalid split Number
53	A Pathward account with this email address already exists	Less common than status 87 which is returned because the email address provided is already being used as the username for an existing Pathward account.
54	A Pathward account with this social security number already exists	(Deprecated.) Pathward now allows multiple accounts to exist with the same SSN.
55	The email address provided does not correspond to a Pathward account.	Some older (no longer supported) integrations allowed transactions to be processed onto a Pathward account specified via email. (Deprecated)
57	Cannot settle transaction because it already expired
58	Credit card declined	The value of the responseCode element will provide info on the decline reason
59	Invalid Credential or IP address not allowed	Verify that the IP address that you are using has been whitelisted by Pathward. Verify that <certStr /> value is valid
60	Credit card authorization timed out; retry at a later time	Try again later
61	Amount exceeds single transaction limit	Value <amount /> exceeds the amount allowed for a single transaction. Contact your relationship manager if you need this increased
62	Amount exceeds monthly volume limit	The Pathward account has processed the maximum amount allowed in a single month. Contact your relationship manager if you need this limit increased.
63	Insufficient funds in account	There are not enough funds
64	Over credit card use limit
65	Miscellaneous error	General error; report the issue to Pathward
66	Pathward account requires Additional Review	Partner should display a descriptive message guiding a new user to provide a picture of photo ID and proof of personal physical address. See notes below.
67	Unauthorized service requested	The acting entity or account is not configured to perform the requested action.
68	Account not affiliated	The action requested requires that the account share the same affiliation as the requesting credential
69	Duplicate invoice number (The same card was charged for the same amount with the same invoice number (including blank invoices) in a 1-minute period.	Duplicate <invNum /> element value. (The same card was charged for the same amount with the same invoice number (including blank invoices) in a defined
70	Duplicate external ID	<ExternalId /> values must be unique per affiliation
71	Account previously set up, but problem affiliating it with partner
74	Account or Trans Error	Many possible reasons, including MID not found for account.
75	Money already pulled	The funds have already been pulled
77	Empty results
78	Invalid Authentication	Authentication credentials are not valid
79	Generic account status error	Contact Pathward Customer Service
80	Invalid Password	Password is not valid
81	Account Expired	The Pathward account has expired. Contact your relationship manager
82	Invalid User ID	The value <userId /> is not a valid Pathward userId
84	Invalid Begin Date	Verify the value <beginDate />. Must follow format ‘mm-dd-yyyy’. BeginDate cannot be greater than End Date.
85	Invalid End Date	Verify the value <endDate />. Must follow format ‘mm- dd-yyyy’. End Date cannot be greater than Begin Date.
86	Invalid External ID
87	Duplicate User ID	Developer should display descriptive response that the email is already in use. See notes below.
90	Transaction already refunded	The transaction has already been refunded and cannot be refunded again
95	Invalid Country Code	The value in <country /> is not valid. Value should be ISO 3166 standard 3 character country codes.
96	Invalid PIN
97	Account created in documentary status	The account must be validated to be activated
98	Account created in documentary status, and must be paid for	The account must be validated and paid for to be activated
99	Account created successfully, but must be paid for.	The account must be paid for to be activated
100	Transaction Already Refunded	The transaction has already been refunded and cannot be refunded again
101	Refund Exceeds Original Transaction	The refund amount is greater than the original transaction amount.
102	Invalid Payer Name	The value <payerName /> is not valid.
103	Transaction does not meet date criteria
104	Transaction could not be refunded due to current transaction state.
105	Direct deposit account not specified
110	Required field is missing	Returned for edit Pathward account. See Response element for field name. Returned if account edit was attempted on an account not belonging to the affiliation.
111	Invalid EIN	Verify the <EIN /> element value is valid. See IRS.GOV for valid values.
112	Invalid business legal name (DBA)	<BusinessLegalName /> is required for business account type signups.
113	One of the business legal address fields is invalid
114	Business city is invalid	The value <BusinessCity /> cannot exceed 30 characters
115	Business state is invalid	The value <BusinessState /> cannot exceed 3 characters. For a U.S. state, follow standard 2 character abbreviation.
116	Business zip is invalid	Verify that the value <BusinessZip /> is valid. Cannot exceed 9 characters.
117	Business country is invalid	The value <BusinessCountry /> cannot exceed 3 characters. Should follow standard 3 character country code format.
118	Mailing address invalid
119	Business address is invalid
120	Incomplete business address
126	Currency code not allowed for this transaction	Value <currencyCode /> must be an allowed currency for the merchant account
127	Currency code not permitted for this account	Value <currencyCode /> must be an allowed currency for the merchant account
128	Requires Additional Validation
131	Capture amount exceeds allowed amount	Capture <amount /> value cannot be more than the initial authorization amount
132	Account setup does not allow capture for amount greater than authorization	Capture <amount /> value cannot be more than the initial authorization amount
133	Threat Metrix risk denied (no responseCode is returned)
134	Threat Metrix Invalid SessionId
135	Threat Metrix Invalid Account configuration	Contact Pathward Risk Department
136	External Payment Method Not Provided
137	External Payment Provider not provided
138	External Payment Identifier not provided
139	External Payment Provider not valid
140	External Payment Method Provided
141	Inactive or blocked MCC Code	Unable to use passed value <MCCCode /> due to the MCC Code being blocked or inactive with the card brands
142	Invalid MCC Code Non-numeric or not in Pathward® database	Verify that the value <MCCCode /> is valid. Value cannot exceed 4 characters. Value must be numerical.
143	Gross settle: invalid credit card information	Verify the value <GrossSettleCreditCardNumber /> is valid. Cannot exceed 16 characters and must pass Luhn check.
144	Gross settle: invalid billing information
145	Gross settle: no billing information was included with the payment info
146	Gross settle: error setting up billing information
147	Gross settle: Tier does not support gross settlement	The tier provided as <tier /> element has not been configured to support gross settlement
148	ExternalPaymentMethodIdentifier Invalid	Verify that the value <externalPaymentMethodIdentifier /> is valid. Must be a valid Visa Checkout payment identifier.
149	Invalid DoingBusinessAs	Verify <DoingBusinessAs /> element value is valid.
150	Invalid Service Setting	One or more request tags contain invalid data.
151	Amex Enhanced Account Not Configured
152	Bad Request	The request has extra tags which are not required.
153	Invalid Payment Type	The payment type is not valid.
154	Invalid Significant Owner Percentage	The Significant Owner Percentage value provided is invalid. Check the </SignificantOwnerPercentage> tag.
155	Invalid Significant Owner Date of Birth	The Significant Owner Date of Birth provided is invalid. Check the </SignificantOwnerDateofBirth> tag.
156	Invalid Significant Owner SSN	The Significant Owner Social Security Number provided is invalid. Check the </SignificantOwnerSSN> tag.
157	Invalid Notification Email	The Notification Email provided is invalid. Check the </NotificationEmail> tag.
158	Invalid Beneficial Owner Data	Beneficiary Owner Data provided in Signup Request is invalid, all Owner details provided are mandatory and should be valid.
159	Invalid Beneficial Owner Count	Beneficiary Owner Count provided in Signup Request is invalid. Owner count provided should be less than 6 and should not be greater than the list of Owners data provided in request.
160	Invalid card holder billing name	The cardholder billing last name doesn't match what is saved for the Pathward account
161	Invalid card for fast fund	The card provided for fast fund is invalid.
162	Transaction declined	The transaction is declined by visa direct.
163	Invalid card type	The card type is invalid.
166	Service unavailable	The Visa direct Rest service is unavailable.
167	Account not registered	The visa direct account is not registered.
168	Invalid Document Name	The uploading document name is not valid.
169	Invalid Document Type	The uploading document type is not valid.
170	Invalid Document	The uploading document is not valid.
171	Invalid Transaction Reference Number	The transaction reference number is not valid.
172	Invalid card holder name	The card holder name is invalid.
173	Invalid Referrer URL	URL passed for single-sign-on not properly formatted
174	Invalid IP Address	IP address passed for single-sign-on not properly formatted.
175	Invalid subnet mask	Subnet mask passed for single-sign-on not properly formatted.
182	Invalid Card Present Type Id	Invalid card present type id
183	Invalid Cardholder Identity Id	Invalid cardholder identity id
184	Invalid Cardholder Address	Invalid cardholder address
185	Missing Required Signup Data	One of the fields specifically required for your program is missing from your signup request.
190	Daily Transaction Limit Exceeded	Daily transaction limit has been exceeded
191	Invalid Comment	Value of Comment1 and/or Comment2 fields (if any), should be between 1-120 char, alphanumeric with period, comma, hyphen allowed
192	Invalid Account Credit Limit	Invalid account credit limit
203	Invalid Time Zone Data	The Time Zone data required for a Portico account is missing or incorrectly formatted.
204	Invalid Device Request Format	Indicates that the sign up request with device(s) is in invalid format.
206	Invalid Quantity	Indicates that the quantity of devices ordered is not valid.
231	InvalidAttemptNumber	The transaction number is invalid
232	Invalid Terms Acceptance IP	The terms acceptance IP address was invalid or incorrect
233	Invalid Terms Version	The submitted terms version is invalid or incorrect
242	Invalid Address Id	The address id exceeds the allowable length. This API response only applies if you are doing an Address Lookup (Equifax).
243	Invalid business Phone Number	The business phone number exceeds the allowable length or is null (blank).
249	Invalid Fee Type	The fee type indicated is not valid for this account or is not present in the system.
251	Invalid Token	Token expired or not a valid token or max attempts for token validation exceeded.
253	Invalid Token Requestor ID	Invalid Token Requestor ID
254	Both card and Token should not be present	Both card and token info should not be present.
260	Required Legal Address xField is Missing	Required legal address fields are missing /null: Legal Address, City, Zip, and Country. (Missing / Null Post Town will return code 241.)
261	Invalid External Transaction ID	Invalid External Transaction ID, or Max length exceeded or null value.
262	Missing or Invalid Bank Name	The Bank name is missing from the request and also cannot be found using the provided routing number
272	EIN Does Not Apply	Returned if the EIN field is used in Trans Type 01, or 42 for a country where the Employee Identification Number does not apply, or is replaced with a Business Registration Number, or some other specific identifier.