> ## Documentation Index
> Fetch the complete documentation index at: https://docs.argyle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Direct deposit switching errors

> Learn about errors that may occur during direct deposit switching.

Learn about errors that may occur during [direct deposit switching](/legacy/guides/argyle-link/flows/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:

* Error codes are returned as part of the [accounts object](/legacy/api-reference/accounts#account-object)
* [`accounts.pay_distribution.status`](/legacy/api-reference/accounts#object-status) returns error
* [`accounts.pay_distribution.error_code`](/legacy/api-reference/accounts#object-error_code) shows the error code
* [`accounts.pay_distribution.error_message`](/legacy/api-reference/accounts#object-error_message) provides additional information about the error

<Note>
  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.
</Note>

#### Error example in an account object:

```json theme={}
{
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user's connection has expired and requires re-authentication.
  </Tab>

  <Tab title="User message">
    Direct deposit switching is not available because your employment account was disconnected. Please log in again.
  </Tab>

  <Tab title="Common causes">
    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.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to attempt account connection again.
  </Tab>
</Tabs>

![The account\_disconnected direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667936646/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/account_disconnected.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    Argyle encountered a problem when updating bank account and card deposit settings. Our team has been notified and is investigating.
  </Tab>

  <Tab title="User message">
    We've encountered an unexpected error while updating your direct deposit settings. Please try again later.
  </Tab>

  <Tab title="Common causes">
    Something unexpected happened when trying to update bank account and payout card deposit settings.
  </Tab>

  <Tab title="Troubleshooting">
    No action needed. Someone from Argyle is checking what happened. Please contact our support team for more details.
  </Tab>
</Tabs>

![The bank\_and\_card\_update\_failed direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670870786/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/bank_and_card_update_failed2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    Argyle encountered a problem when updating user's payout card settings. Our team has been notified and is investigating.
  </Tab>

  <Tab title="User message">
    We've encountered an unexpected error while adding a payout card. Please try again later.
  </Tab>

  <Tab title="Common causes">
    Something unexpected happened when trying to update payout cards.
  </Tab>

  <Tab title="Troubleshooting">
    No action needed. Someone from Argyle is checking what happened. Please contact our support team for more details.
  </Tab>
</Tabs>

![The card\_update\_failed direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670871617/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/card_update_failed3)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user did not finish confirming the direct deposit switch.
  </Tab>

  <Tab title="User message">
    You haven't confirmed the direct deposit switch. Please try again.
  </Tab>

  <Tab title="Common causes">
    The user did not confirm the suggested direct deposit update within the given time period.
  </Tab>

  <Tab title="Troubleshooting">
    * Advise the user to confirm their suggested deposit update.
    * Check if the user had any issues confirming the direct deposit switch.
  </Tab>
</Tabs>

![The confirmation\_timeout direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670871439/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/confirmation_timeout2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API message">
    This user's employment platform does not support direct deposit switching with this user's selected login method.
  </Tab>

  <Tab title="User message">
    Please log in with a different login method to update direct deposit settings.
  </Tab>

  <Tab title="Common causes">
    Platform does not allow making direct deposit updates with the user's selected authentication method.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to connect the account using a different authentication method.
  </Tab>
</Tabs>

![The incompatible\_auth direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667937976/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/incompatible_auth.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API message">
    The provided direct deposit switch configuration is not compatible with this user's employment account.
  </Tab>

  <Tab title="User message">
    Your employment account does not currently support direct deposit switching.
  </Tab>

  <Tab title="Common causes">
    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.
  </Tab>

  <Tab title="Troubleshooting">
    Adjust your `payDistributionConfig` to accommodate more platforms. See [structuring DDS configurations](/legacy/guides/argyle-link/flows/direct-deposit-switching#structure-dds-configuration).
  </Tab>
</Tabs>

![The incompatible\_config direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667933649/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/incompatible_config.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user's account connection failed, preventing direct deposit switching.
  </Tab>

  <Tab title="User message">
    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.
  </Tab>

  <Tab title="Common causes">
    Direct deposit switching was initiated in Argyle Link, but could not be completed because the user's account connection failed.
  </Tab>

  <Tab title="Troubleshooting">
    Check the account connection error for this account and advise the user to follow the instructions related to that specific error.
  </Tab>
</Tabs>

![The invalid\_account\_state direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667937009/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/invalid_account_state.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API message">
    This user did not provide the correct multi-factor authentication response.
  </Tab>

  <Tab title="User message">
    The code you've entered is incorrect.
  </Tab>

  <Tab title="Common causes">
    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.)
  </Tab>

  <Tab title="Troubleshooting">
    * 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.
  </Tab>
</Tabs>

![The invalid\_mfa direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_webp/v1/docs-v2/pd-errors-invalid_mfa)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API 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.
  </Tab>

  <Tab title="User message">
    Unavailable because of too many unsuccessful multi-factor authentication attempts. Please log in to `[Link item name]` and reset your multi-factor authentication method.
  </Tab>

  <Tab title="Common causes">
    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.
  </Tab>

  <Tab title="Troubleshooting">
    * 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.
  </Tab>
</Tabs>

![The mfa\_attempts\_exceeded direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670870266/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/mfa_attempts_exceeded2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user failed multi-factor authentication too many times, requiring them to re-authenticate.
  </Tab>

  <Tab title="User message">
    Unavailable because of too many failed multi-factor authentication attempts. `[Link item name]` requires you to log in again.
  </Tab>

  <Tab title="Common causes">
    The platform temporarily disabled direct deposit update attempts for this employment account due to entering invalid MFA too many times.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to wait a few hours and then attempt updating their direct deposit again.
  </Tab>
</Tabs>

![The mfa\_exhausted direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670870418/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/mfa_exhausted2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user has not configured multi-factor authentication for their employment account, restricting access to the user's employment data.
  </Tab>

  <Tab title="User message">
    Please log in to `[Link item name]` and configure multi-factor authentication to continue sharing your data with `[Company name]`.
  </Tab>

  <Tab title="Common causes">
    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.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to configure a multi-factor authentication method on their employment platform and attempt direct deposit updating again.
  </Tab>
</Tabs>

![The mfa\_not\_configured direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670868559/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/mfa_not_configured2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user did not complete multi-factor authentication.
  </Tab>

  <Tab title="User message">
    The session has expired. Please try again.
  </Tab>

  <Tab title="Common causes">
    The user did not submit the requested MFA response necessary to complete their direct deposit update within the given time period.
  </Tab>

  <Tab title="Troubleshooting">
    * 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.
  </Tab>
</Tabs>

![The mfa\_timeout direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1671727641/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/mfa_timeout_error)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user's employment account does not have any allocation set up which is required to allocate the remainder.
  </Tab>

  <Tab title="User message">
    Please log in to `[Link item name]` system and set up at least one other pay allocation in your account and then try again.
  </Tab>

  <Tab title="Common causes">
    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.
  </Tab>

  <Tab title="Troubleshooting">
    * 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.
  </Tab>
</Tabs>

![The missing\_allocation direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670870628/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/missing_allocation2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API message">
    One or more of this account's pay allocations is missing a type (percent/amount/remainder), preventing direct deposit switching.
  </Tab>

  <Tab title="User message">
    Your direct deposit settings are set up incorrectly in your employment account.
  </Tab>

  <Tab title="Common causes">
    Argyle is not able to do direct deposit switching because the allocation type (percent/amount/remainder) is missing.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to contact their payroll provider for further clarification.
  </Tab>
</Tabs>

![The missing\_allocation\_type direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667931738/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/missing_allocation_type.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API message">
    This user's employment account does not support direct deposit switching.
  </Tab>

  <Tab title="User message">
    Your employment account does not currently support direct deposit switching.
  </Tab>

  <Tab title="Common causes">
    Argyle is not able to perform direct deposit switching because the user's employment account does not support it.
  </Tab>

  <Tab title="Troubleshooting">
    No action, as direct deposit switching on the platform is not possible.
  </Tab>
</Tabs>

![The not\_supported direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667930742/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/not_supported.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API message">
    This user's employment account does not support direct deposit switching because the employer has disabled users from editing this information.
  </Tab>

  <Tab title="User message">
    Your employment account does not currently support direct deposit switching.
  </Tab>

  <Tab title="Common causes">
    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.
  </Tab>

  <Tab title="Troubleshooting">
    No action, as direct deposit switching on the platform is not possible.
  </Tab>
</Tabs>

![The not\_supported\_by\_employer direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667932806/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/not_supported_by_employer.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user's employment account uses a physical multi-factor authentication method that Argyle does not currently support.
  </Tab>

  <Tab title="User message">
    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.
  </Tab>

  <Tab title="Common causes">
    The user attempted to use a physical multi-factor authentication method that Argyle does not support.
  </Tab>

  <Tab title="Troubleshooting">
    The user should disable the physical multi-factor authentication method, then set up an alternative multi-factor authentication method and try again.
  </Tab>
</Tabs>

![The physical\_mfa\_unsupported direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670869871/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/physical_mfa_unsupported2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    The provided bank account was rejected by the user's employment platform. Please provide a different bank account.
  </Tab>

  <Tab title="User message">
    You are unable to use this bank account because `[Link item name]` system has rejected it. Please reach out to `[Company name]` for help.
  </Tab>

  <Tab title="Common causes">
    The provided bank account details are valid, but the bank denied this update request on behalf of the platform because of security concerns.
  </Tab>

  <Tab title="Troubleshooting">
    Ask user to reach out to their payroll provider to whitelist you as a bank.
  </Tab>
</Tabs>

![The rejected\_bank\_account direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667934167/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/rejected_bank_account.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    The provided card cannot be used for direct deposit switching. Please provide a different card.
  </Tab>

  <Tab title="User message">
    You are unable to use this card because `[Link item name]` system has rejected it. Please reach out to `[Company name]` for help.
  </Tab>

  <Tab title="Common causes">
    Something unexpected happened when trying to add payout cards.
  </Tab>

  <Tab title="Troubleshooting">
    * 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`.
  </Tab>
</Tabs>

![The rejected\_card direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667936088/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/rejected_card.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    The provided routing number is considered invalid by this user's employment account.
  </Tab>

  <Tab title="User message">
    You are unable to use this bank account because `[Link item name]` system has rejected it. Please reach out to \$company for help.
  </Tab>

  <Tab title="Common causes">
    The platform rejects the update due to some internal routing number validation.
  </Tab>

  <Tab title="Troubleshooting">
    * Contact the bank to find out why the routing number was rejected.
    * Provide a new routing number in the `pd_config`, if possible.
  </Tab>
</Tabs>

![The rejected\_routing\_number direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_webp/v1/docs-v2/pd-015_rejected_routing_number_error)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user's employment platform is experiencing downtime and is currently unable to process direct deposit switching.
  </Tab>

  <Tab title="User message">
    `[Link item name]` system is currently unavailable. Please try again later.
  </Tab>

  <Tab title="Common causes">
    This platform is currently experiencing downtime, pay allocation updates are not available at this time.
  </Tab>

  <Tab title="Troubleshooting">
    * 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.
  </Tab>
</Tabs>

![The service\_unavailable direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670870025/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/service_unavailable2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    Argyle encountered a problem while updating user's deposit settings. Our team has been notified and is investigating.
  </Tab>

  <Tab title="User message">
    We've encountered an unexpected error. Please try again later.
  </Tab>

  <Tab title="Common causes">
    Something unexpected happened when trying to update the bank account's deposit settings.
  </Tab>

  <Tab title="Troubleshooting">
    No action needed. Someone from Argyle is checking what happened. Please contact our support team for more details.
  </Tab>
</Tabs>

![The system\_error direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670869301/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/system_error2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API 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.
  </Tab>

  <Tab title="User message">
    Your employment account does not currently support direct deposit switching.
  </Tab>

  <Tab title="Common causes">
    The allocation type is not one we currently support (percentage allocation and amount allocation).
  </Tab>

  <Tab title="Troubleshooting">
    No action.
  </Tab>
</Tabs>

![The unsupported\_allocation\_type direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667932379/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/unsupported_allocation_type.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Tabs>
  <Tab title="API message">
    This user's deposit settings contain pay allocations of unsupported bank account types like HSAs, preventing the direct deposit switch.
  </Tab>

  <Tab title="User message">
    Your employment account does not currently support direct deposit switching.
  </Tab>

  <Tab title="Common causes">
    Argyle only supports updating pay allocations that have checking or savings bank account types associated with them.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to contact their payroll provider for further clarification.
  </Tab>
</Tabs>

![The unsupported\_bank\_accounts direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667933042/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/unsupported_bank_accounts.png)

#### Account object:

<Note>
  ```json theme={}
  {
    ...
    "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"
    }
    ...
  }
  ```
</Note>

## `unsupported_bank_account_country`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user's deposit settings contain pay allocations of unsupported countries, preventing direct deposit switching.
  </Tab>

  <Tab title="User message">
    Your employment account does not currently support direct deposit switching.
  </Tab>

  <Tab title="Common causes">
    This user's employment account includes pay allocations to bank accounts of countries that Argyle does not yet support.
  </Tab>

  <Tab title="Troubleshooting">
    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.
  </Tab>
</Tabs>

![The unsupported\_bank\_account\_country direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/v1667937303/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/unsupported_bank_account_country.png)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    This user's employment account uses a multi-factor authentication method that Argyle does not currently support.
  </Tab>

  <Tab title="User message">
    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.
  </Tab>

  <Tab title="Common causes">
    The user's employment account uses an MFA method currently not supported by Argyle.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to disable or change the MFA method.
  </Tab>
</Tabs>

![The unsupported\_mfa\_method direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670868305/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/unsupported_mfa_method2)

#### Account object:

```json theme={}
{
  ...
  "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`

<Note>
  This error triggers the [`accounts.pay_distribution_failed`](/legacy/api-reference/accounts-webhooks#pay-distribution-failed) webhook.
</Note>

<Tabs>
  <Tab title="API message">
    Direct deposit switching is temporarily unavailable due to employer requiring a waiting period after a recent direct deposit switch or initial account connection.
  </Tab>

  <Tab title="User message">
    Direct deposit switching is temporarily disabled in your employment account. Please try again later.
  </Tab>

  <Tab title="Common causes">
    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.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to complete the direct deposit switch later.
  </Tab>
</Tabs>

![The waiting\_period direct deposit switching error screen.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1670868736/docs-2022/Guides/Troubleshooting/Direct%20deposit%20switching%20errors/waiting_period2)

#### Account object:

```json theme={}
{
  ...
  "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"
  }
  ...
}
```