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
API message
User message
Common causes
Troubleshooting
This user’s connection has expired and requires re-authentication.
Direct deposit switching is not available because your employment account was disconnected. Please log in again.
The payroll provider has disconnected a previously connected account. This may happen when a user changes the employment account credentials. Some payroll providers have short-living sessions and require users to re-authenticate more often.
Advise the user to attempt account connection again.
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
API message
User message
Common causes
Troubleshooting
Argyle encountered a problem when updating bank account and card deposit settings. Our team has been notified and is investigating.
We’ve encountered an unexpected error while updating your direct deposit settings. Please try again later.
Something unexpected happened when trying to update bank account and payout card deposit settings.
No action needed. Someone from Argyle is checking what happened. Please contact our support team for more details.
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
API message
User message
Common causes
Troubleshooting
Argyle encountered a problem when updating user’s payout card settings. Our team has been notified and is investigating.
We’ve encountered an unexpected error while adding a payout card. Please try again later.
Something unexpected happened when trying to update payout cards.
No action needed. Someone from Argyle is checking what happened. Please contact our support team for more details.
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
API message
User message
Common causes
Troubleshooting
This user did not finish confirming the direct deposit switch.
You haven’t confirmed the direct deposit switch. Please try again.
The user did not confirm the suggested direct deposit update within the given time period.
- Advise the user to confirm their suggested deposit update.
- Check if the user had any issues confirming the direct deposit switch.
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
API message
User message
Common causes
Troubleshooting
This user’s employment platform does not support direct deposit switching with this user’s selected login method.
Please log in with a different login method to update direct deposit settings.
Platform does not allow making direct deposit updates with the user’s selected authentication method.
Advise the user to connect the account using a different authentication method.
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
API message
User message
Common causes
Troubleshooting
The provided direct deposit switch configuration is not compatible with this user’s employment account.
Your employment account does not currently support direct deposit switching.
Although platforms define specification parameters as default (e.g. min_allocation), they can set a different specification for a particular user. In this case, the information submitted in the DDS configuration is compatible with the general specification but not with the custom specification on this user’s account.
Adjust your payDistributionConfig to accommodate more platforms. See structuring DDS configurations.
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
API message
User message
Common causes
Troubleshooting
This user’s account connection failed, preventing direct deposit switching.
Direct deposit switching is not available because your account connection failed. Please log in to [Link item name] and make sure your account is active, you’ve accepted terms of service, and your onboarding is complete.
Direct deposit switching was initiated in Argyle Link, but could not be completed because the user’s account connection failed.
Check the account connection error for this account and advise the user to follow the instructions related to that specific error.
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
API message
User message
Common causes
Troubleshooting
This user did not provide the correct multi-factor authentication response.
The code you’ve entered is incorrect.
This user did not provide the correct multi-factor authentication (MFA) response that was requested by the platform (for example, SMS code, click on link in email, etc.)
- Advise the users to check if they are able to log in directly to the platform’s website or app.
- Check with the users if they have received the MFA request.
- Check with the users if they are using the correct MFA device.
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
API message
User message
Common causes
Troubleshooting
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.
Unavailable because of too many unsuccessful multi-factor authentication attempts. Please log in to [Link item name] and reset your multi-factor authentication method.
The platform permanently disabled login attempts for this employment account because the user entered invalid MFA too many times. This issue can only be resolved by the user resetting MFA directly on their employment platform.
- Check if the user is able to log in directly via the platform’s website or app.
- Advise the user to reset their MFA method on the platform’s website or app.
- Advise the user to attempt updating their direct deposit again using the new MFA.
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
API message
User message
Common causes
Troubleshooting
This user failed multi-factor authentication too many times, requiring them to re-authenticate.
Unavailable because of too many failed multi-factor authentication attempts. [Link item name] requires you to log in again.
The platform temporarily disabled direct deposit update attempts for this employment account due to entering invalid MFA too many times.
Advise the user to wait a few hours and then attempt updating their direct deposit again.
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"
}
...
}
API message
User message
Common causes
Troubleshooting
This user has not configured multi-factor authentication for their employment account, restricting access to the user’s employment data.
Please log in to [Link item name] and configure multi-factor authentication to continue sharing your data with [Company name].
The platform does not allow to access the employment data of this account as it does not have a mandatory multi-factor authentication set up.
Advise the user to configure a multi-factor authentication method on their employment platform and attempt direct deposit updating again.
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
API message
User message
Common causes
Troubleshooting
This user did not complete multi-factor authentication.
The session has expired. Please try again.
The user did not submit the requested MFA response necessary to complete their direct deposit update within the given time period.
- Confirm that the user has received the MFA request.
- Have the user check if the information for their MFA device or phone number is correct.
- Have the user confirm that they are able to log in directly via the platform’s website or app.
- In the case of an SMS or Voice MFA, advise the user to make sure they are able to receive messages from the platform. If there is an issue, contact the platform’s support.
- Advise the user to attempt the account connection again.
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
API message
User message
Common causes
Troubleshooting
This user’s employment account does not have any allocation set up which is required to allocate the remainder.
Please log in to [Link item name] system and set up at least one other pay allocation in your account and then try again.
The user has either no editable pay allocations set up or no pay allocations set up at all, but the DDS configuration has minimum or maximum bounds set. There must be at least one other pay allocation to allocate the remainder before adding a constrained pay allocation.
- Advise the user to set up a pay allocation in their employment account and then attempt to update their direct deposit again.
- Alternatively, allow the user to deposit their full paycheck by initializing link without any minimum or maximum bounds in the DDS configuration.
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
API message
User message
Common causes
Troubleshooting
One or more of this account’s pay allocations is missing a type (percent/amount/remainder), preventing direct deposit switching.
Your direct deposit settings are set up incorrectly in your employment account.
Argyle is not able to do direct deposit switching because the allocation type (percent/amount/remainder) is missing.
Advise the user to contact their payroll provider for further clarification.
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
API message
User message
Common causes
Troubleshooting
This user’s employment account does not support direct deposit switching.
Your employment account does not currently support direct deposit switching.
Argyle is not able to perform direct deposit switching because the user’s employment account does not support it.
No action, as direct deposit switching on the platform is not possible.
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
API message
User message
Common causes
Troubleshooting
This user’s employment account does not support direct deposit switching because the employer has disabled users from editing this information.
Your employment account does not currently support direct deposit switching.
Argyle is not able to do direct deposit switching because changes are not supported by the platform — possibly because the employer disabled editing of this information.
No action, as direct deposit switching on the platform is not possible.
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
API message
User message
Common causes
Troubleshooting
This user’s employment account uses a physical multi-factor authentication method that Argyle does not currently support.
Please log in to [Link item name] system and disable the physical multi-factor authentication method (e.g. USB). Then set up another multi-factor authentication method and try again.
The user attempted to use a physical multi-factor authentication method that Argyle does not support.
The user should disable the physical multi-factor authentication method, then set up an alternative multi-factor authentication method and try again.
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
API message
User message
Common causes
Troubleshooting
The provided bank account was rejected by the user’s employment platform. Please provide a different bank account.
You are unable to use this bank account because [Link item name] system has rejected it. Please reach out to [Company name] for help.
The provided bank account details are valid, but the bank denied this update request on behalf of the platform because of security concerns.
Ask user to reach out to their payroll provider to whitelist you as a bank.
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
API message
User message
Common causes
Troubleshooting
The provided card cannot be used for direct deposit switching. Please provide a different card.
You are unable to use this card because [Link item name] system has rejected it. Please reach out to [Company name] for help.
Something unexpected happened when trying to add payout cards.
- The user can contact the payroll provider to find out why the card was rejected.
- You can provide a new payout card in the
pd_config.
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
API message
User message
Common causes
Troubleshooting
The provided routing number is considered invalid by this user’s employment account.
You are unable to use this bank account because [Link item name] system has rejected it. Please reach out to $company for help.
The platform rejects the update due to some internal routing number validation.
- Contact the bank to find out why the routing number was rejected.
- Provide a new routing number in the
pd_config, if possible.
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
API message
User message
Common causes
Troubleshooting
This user’s employment platform is experiencing downtime and is currently unable to process direct deposit switching.
[Link item name] system is currently unavailable. Please try again later.
This platform is currently experiencing downtime, pay allocation updates are not available at this time.
- Have the user check if they are able to update their pay allocations directly in their employment platform.
- Advise the user to contact their payroll provider for further clarification.
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
API message
User message
Common causes
Troubleshooting
Argyle encountered a problem while updating user’s deposit settings. Our team has been notified and is investigating.
We’ve encountered an unexpected error. Please try again later.
Something unexpected happened when trying to update the bank account’s deposit settings.
No action needed. Someone from Argyle is checking what happened. Please contact our support team for more details.
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
API message
User message
Common causes
Troubleshooting
This user’s deposit settings contain pay allocations of unsupported types preventing the direct deposit switch. Supported allocation types are percent, amount and remainder.
Your employment account does not currently support direct deposit switching.
The allocation type is not one we currently support (percentage allocation and amount allocation).
No action.
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
API message
User message
Common causes
Troubleshooting
This user’s deposit settings contain pay allocations of unsupported bank account types like HSAs, preventing the direct deposit switch.
Your employment account does not currently support direct deposit switching.
Argyle only supports updating pay allocations that have checking or savings bank account types associated with them.
Advise the user to contact their payroll provider for further clarification.
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
API message
User message
Common causes
Troubleshooting
This user’s deposit settings contain pay allocations of unsupported countries, preventing direct deposit switching.
Your employment account does not currently support direct deposit switching.
This user’s employment account includes pay allocations to bank accounts of countries that Argyle does not yet support.
Advise the user to manually remove the existing pay allocation to a bank account linked to a country that Argyle does not yet support and then attempt to connect an account again.
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
API message
User message
Common causes
Troubleshooting
This user’s employment account uses a multi-factor authentication method that Argyle does not currently support.
We were not able to connect your employment account. Please log in to [Link item name] to update your multi-factor authentication method and try again.
The user’s employment account uses an MFA method currently not supported by Argyle.
Advise the user to disable or change the MFA method.
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
API message
User message
Common causes
Troubleshooting
Direct deposit switching is temporarily unavailable due to employer requiring a waiting period after a recent direct deposit switch or initial account connection.
Direct deposit switching is temporarily disabled in your employment account. Please try again later.
The user’s direct deposit switch was rejected because some employers require a waiting period after a recent deposit setting update or after initial account creation.
Advise the user to complete the direct deposit switch later.
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"
}
...
}