Error messageThere are insufficient funds in the bank account
DescriptionThe pay-in failed due to insufficient funds in the bank account.
Categories

Mandate

Direct debit

Causes

This error occurs when the end user’s bank account doesn’t hold sufficient funds in order for the direct-debit to be processed.

What to do

In such cases, the platform needs to contact its customers and ask them to either:

  • Add the necessary funds
  • Use another payment method.

Testing

In order to trigger this error in your Sandbox, please follow the following steps:

  • Create a user whose FirstName is “Penniless”
  • Make sure to create a Bank Account and a Wallet for this user.
  • Create the Mandate for this User and confirm it using the RedirectURL
  • Make a Direct Debit PayIn using all the previous information.

The resulting pay-in fails with the 001830 result code returned:

API Response
{
    "Id": "157399478",
    "CreationDate": 1669966558,
    "AuthorId": "157399076",
    "CreditedUserId": "157399076",
    "Status": "FAILED",
    "ExecutionDate": null,
    "ChargeDate": 1670371200,
    "Type": "PAYIN",
    "Nature": "REGULAR",
    "CreditedWalletId": "157399408",
    "DebitedWalletId": null,
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 1188
    },
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 1200
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 12
    },
    "ResultCode": "001830",
    "ResultMessage": "There are insufficient funds in the bank account",
    "PaymentType": "DIRECT_DEBIT",
    "ExecutionType": "DIRECT",
    "Tag": null,
    "MandateId": "157399114",
    "StatementDescriptor": "Nov2016"
}