Deposit Switch Errors

Common causes and troubleshooting.

Overview#

When a deposit switch error occurs, the account object will update and display the error information within the direct_deposit_switch object.

To monitor for deposit switch errors:

  1. Subscribe to both the direct_deposit_switches.failed and accounts.updated webhooks, and use the optional config parameter to receive an account object in these webhooks' delivery payloads.

  2. When you receive the direct_deposit_switches.failed webhook or are encountering problems with a deposit switch, check the status within the account object's direct_deposit_switch object.

  3. If the status is error, proceed to the troubleshooting steps below for the deposit switch error that matches the error_code in the direct_deposit_switch object.

The accounts.updated webhook is always sent when the direct_deposit_switches.failed webhook is sent.

Deposit switch errors#

account_disconnected#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The user's payroll account has become disconnected, and needs to be re-connected before a deposit switch can take place.

bank_and_card_update_failed#

The direct_deposit_switches.failed webhook is sent when this error occurs.

An unexpected error occurred during the deposit switch. We have automatically been notified and will investigate.

confirmation_timeout#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The user did not confirm the deposit switch in Link within the given time period.

incompatible_auth#

The account was connected with login credentials that are not authorized on the payroll system for deposit switching.

incompatible_config#

The settings in the target deposit destination used for this deposit switch are not supported by the payroll system.

invalid_account_state#

The direct_deposit_switches.failed webhook is sent when this error occurs.

An account connection error prevented the deposit switch.

invalid_mfa#

The user entered an incorrect multi-factor authentication (MFA) response.

mfa_attempts_exceeded#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The platform permanently disabled login attempts for this payroll account due to entering an invalid MFA too many times. It only can be resolved by the user resetting MFA directly on the payroll system.

mfa_exhausted#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The platform requires a full re-authentication for this payroll account due to unsuccessfully completing MFA multiple times.

mfa_not_configured#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The payroll platform requires multi-factor authentication (MFA) to access payroll data.

mfa_timeout#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The user did not complete MFA within the given time period.

missing_allocation#

The direct_deposit_switches.failed webhook is sent when this error occurs.

A partial amount of the user's paycheck was allocated to a new bank account specified in the deposit switch, but there are no other deposit accounts the user has added on the payroll platform where the remaining paycheck amount can be allocated.

missing_allocation_type#

An allocation type setting (percent/amount/remainder) is missing from the user's payroll system.

not_supported#

The user's payroll system does not support deposit switching.

not_supported_by_employer#

The user's payroll system does not support deposit switching, possibly because it was disabled by the employer.

physical_mfa_unsupported#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The user attempted to use a physical multi-factor authentication method that Argyle does not support.

rejected_bank_account#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The provided bank account details were valid, but were rejected by the payroll system for security reasons.

rejected_routing_number#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The provided routing number could not be validated by the user's payroll system.

service_unavailable#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The user's payroll system is currently offline due to expected maintenance, or is otherwise experiencing degraded service as it relates to deposit switching.

system_error#

The direct_deposit_switches.failed webhook is sent when this error occurs.

An unexpected error occurred during the deposit switch. We have automatically been notified and will investigate.

unsupported_allocation_type#

A percent or amount allocation was specified in the deposit switch settings, but that allocation type is not supported by the user's payroll system.

unsupported_bank_accounts#

Other bank accounts present on the user's payroll system are of a type not supported by Argyle.

unsupported_bank_account_country#

The direct_deposit_switches.failed webhook is sent when this error occurs.

Other bank accounts present on the user's payroll system are of country types not supported by Argyle.

unsupported_mfa_method#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The user's payroll system uses an MFA method that Argyle does not currently support.

waiting_period#

The direct_deposit_switches.failed webhook is sent when this error occurs.

The user's payroll system requires a waiting period after a recent deposit switch or initial account creation.

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