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Learn about errors that may occur during direct deposit switching. This page provides common causes and troubleshooting suggestions for errors that may occur during the direct deposit switching flow. When there is an error in the direct deposit switching flow:
Some error messages shown to the user have placeholders for [Link item name] and [Company name]. In such cases, for the screens samples below, they were replaced by Starbox and GoodLoans, respectively.

Error example in an account object:

{
  "id": "ac81e2bc-2157-4535-8ca4-fb1f068df1fc",
  ...
  "connection": {
    "status": "connected",
    "error_code": null,
    "error_message": null,
    "updated_at": "2019-11-29T08:37:42.112859"
  },
  "pay_distribution": {
    "status": "error",
    "error": "invalid_mfa",
    "error_message": "This user did not provide the correct multi-factor authentication response.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

account_disconnected

This error triggers the accounts.pay_distribution_failed webhook.
This user’s connection has expired and requires re-authentication.
The account_disconnected direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "account_disconnected",
    "error_message": "This user's connection has expired and requires re-authentication.",
    "updated_at": "2022-03-29T08:37:42.164Z"
  }
  ...
}

bank_and_card_update_failed

This error triggers the accounts.pay_distribution_failed webhook.
Argyle encountered a problem when updating bank account and card deposit settings. Our team has been notified and is investigating.
The bank_and_card_update_failed direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "bank_and_card_update_failed",
    "error_message": "Argyle encountered a problem when updating bank account and card deposit settings. Our team has been notified and is investigating.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

card_update_failed

This error triggers the accounts.pay_distribution_failed webhook.
Argyle encountered a problem when updating user’s payout card settings. Our team has been notified and is investigating.
The card_update_failed direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "card_update_failed",
    "error_message": "Argyle encountered a problem when updating user’s payout card settings. Our team has been notified and is investigating.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

confirmation_timeout

This error triggers the accounts.pay_distribution_failed webhook.
This user did not finish confirming the direct deposit switch.
The confirmation_timeout direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "confirmation_timeout",
    "error_message": "This user did not finish confirming the direct deposit switch.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

incompatible_auth

This user’s employment platform does not support direct deposit switching with this user’s selected login method.
The incompatible_auth direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "incompatible_auth",
    "error_message": "This user's employment platform does not support direct deposit switching with this user's selected login method.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

incompatible_config

The provided direct deposit switch configuration is not compatible with this user’s employment account.
The incompatible_config direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "incompatible_config",
    "error_message": "The provided direct deposit switch configuration is not compatible with this user's employment account.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

invalid_account_state

This error triggers the accounts.pay_distribution_failed webhook.
This user’s account connection failed, preventing direct deposit switching.
The invalid_account_state direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "invalid_account_state",
    "error_message": "This user's account connection failed, preventing direct deposit switching.",
    "updated_at": "2022-03-29T08:37:42.164Z"
  }
  ...
}

invalid_mfa

This user did not provide the correct multi-factor authentication response.
The invalid_mfa direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "invalid_mfa",
    "error_message": "This user did not provide the correct multi-factor authentication response.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

mfa_attempts_exceeded

This error triggers the accounts.pay_distribution_failed webhook.
This user failed multi-factor authentication too many times, causing them to be unable to attempt further logins until multi-factor authentication method is reset.
The mfa_attempts_exceeded direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "mfa_attempts_exceeded",
    "error_message": "This user failed multi-factor authentication too many times, causing them to be unable to attempt further logins until multi-factor authentication method is reset.",
    "updated_at": "2022-03-29T08:37:42.164Z"
  }
  ...
}

mfa_exhausted

This error triggers the accounts.pay_distribution_failed webhook.
This user failed multi-factor authentication too many times, requiring them to re-authenticate.
The mfa_exhausted direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "mfa_exhausted",
    "error_message": "This user failed multi-factor authentication too many times, requiring them to re-authenticate.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

mfa_not_configured

This error triggers the accounts.pay_distribution_failed webhook.
This user has not configured multi-factor authentication for their employment account, restricting access to the user’s employment data.
The mfa_not_configured direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "mfa_not_configured",
    "error_message": "This user has not configured multi-factor authentication for their employment account, restricting access to the user's employment data.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

mfa_timeout

This error triggers the accounts.pay_distribution_failed webhook.
This user did not complete multi-factor authentication.
The mfa_timeout direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "mfa_timeout",
    "error_message": "This user did not complete multi-factor authentication.",
    "updated_at": "2022-11-08T08:37:42.164Z"
  }
  ...
}

missing_allocation

This error triggers the accounts.pay_distribution_failed webhook.
This user’s employment account does not have any allocation set up which is required to allocate the remainder.
The missing_allocation direct deposit switching error screen.

Account object:

{
  ...
  "connection": {
    "status": "error",
    "error_code": "missing_allocation",
    "error_message": "This user's employment account does not have any allocation set up which is required to allocate the remainder.",
    "updated_at": "2021-08-29T08:37:42.164Z"
  }
  ...
}

missing_allocation_type

One or more of this account’s pay allocations is missing a type (percent/amount/remainder), preventing direct deposit switching.
The missing_allocation_type direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "missing_allocation_type",
    "error_message": "One or more of this account's pay allocations is missing a type (percent/amount/remainder), preventing direct deposit switching.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

not_supported

This user’s employment account does not support direct deposit switching.
The not_supported direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "not_supported",
    "error_message": "This user's employment account does not support direct deposit switching.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

not_supported_by_employer

This user’s employment account does not support direct deposit switching because the employer has disabled users from editing this information.
The not_supported_by_employer direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "not_supported_by_employer",
    "error_message": "This user's employment account does not support direct deposit switching because the employer has disabled users from editing this information.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

physical_mfa_unsupported

This error triggers the accounts.pay_distribution_failed webhook.
This user’s employment account uses a physical multi-factor authentication method that Argyle does not currently support.
The physical_mfa_unsupported direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "physical_mfa_unsupported",
    "error_message": "This user's employment account uses a physical multi-factor authentication method that Argyle does not currently support.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

rejected_bank_account

This error triggers the accounts.pay_distribution_failed webhook.
The provided bank account was rejected by the user’s employment platform. Please provide a different bank account.
The rejected_bank_account direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "rejected_bank_account",
    "error_message": "The provided bank account was rejected by the user's employment platform. Please provide a different bank account.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

rejected_card

This error triggers the accounts.pay_distribution_failed webhook.
The provided card cannot be used for direct deposit switching. Please provide a different card.
The rejected_card direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "rejected_card",
    "error_message": "The provided card cannot be used for direct deposit switching. Please provide a different card.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

rejected_routing_number

This error triggers the accounts.pay_distribution_failed webhook.
The provided routing number is considered invalid by this user’s employment account.
The rejected_routing_number direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "rejected_routing_number",
    "error_message": "The provided routing number is considered invalid by this user's employment account.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

service_unavailable

This error triggers the accounts.pay_distribution_failed webhook.
This user’s employment platform is experiencing downtime and is currently unable to process direct deposit switching.
The service_unavailable direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "service_unavailable",
    "error_message": "This user's employment platform is experiencing downtime and is currently unable to process direct deposit switching.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

system_error

This error triggers the accounts.pay_distribution_failed webhook.
Argyle encountered a problem while updating user’s deposit settings. Our team has been notified and is investigating.
The system_error direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "system_error",
    "error_message": "Argyle encountered a problem while updating user’s deposit settings. Our team has been notified and is investigating.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

unsupported_allocation_type

This user’s deposit settings contain pay allocations of unsupported types preventing the direct deposit switch. Supported allocation types are percent, amount and remainder.
The unsupported_allocation_type direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "unsupported_allocation_type",
    "error_message": "This user's deposit settings contain pay allocations of unsupported types preventing the direct deposit switch. Supported allocation types are percent, amount and remainder.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

unsupported_bank_accounts

This user’s deposit settings contain pay allocations of unsupported bank account types like HSAs, preventing the direct deposit switch.
The unsupported_bank_accounts direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "unsupported_bank_accounts",
    "error_message": "This user's deposit settings contain pay allocations of unsupported bank account types like HSAs, preventing the direct deposit switch.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

unsupported_bank_account_country

This error triggers the accounts.pay_distribution_failed webhook.
This user’s deposit settings contain pay allocations of unsupported countries, preventing direct deposit switching.
The unsupported_bank_account_country direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "unsupported_bank_account_country",
    "error_message": "This user's deposit settings contain pay allocations of unsupported countries, preventing direct deposit switching.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

unsupported_mfa_method

This error triggers the accounts.pay_distribution_failed webhook.
This user’s employment account uses a multi-factor authentication method that Argyle does not currently support.
The unsupported_mfa_method direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "unsupported_mfa_method",
    "error_message": "This user's employment account uses a multi-factor authentication method that Argyle does not currently support.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}

waiting_period

This error triggers the accounts.pay_distribution_failed webhook.
Direct deposit switching is temporarily unavailable due to employer requiring a waiting period after a recent direct deposit switch or initial account connection.
The waiting_period direct deposit switching error screen.

Account object:

{
  ...
  "pay_distribution": {
    "status": "error",
    "error": "waiting_period",
    "error_message": "Direct deposit switching is temporarily unavailable due to employer requiring a waiting period after a recent direct deposit switch or initial account connection.",
    "updated_at": "2019-11-29T08:37:42.164Z"
  }
  ...
}