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# 130007

<table>
  <tbody>
    <tr>
      <th class="header">
        Error message
      </th>

      <td class="table-content">
        Destination Bank is not reachable
      </td>
    </tr>

    <tr>
      <th class="header">
        Description
      </th>

      <td class="table-content">
        The bank to which the payout is made is not reachable.
      </td>
    </tr>

    <tr>
      <th class="header">
        Categories
      </th>

      <td class="table-content">
        Instant payment

        \


        Payout
      </td>
    </tr>
  </tbody>
</table>

#### Additional information

Instant payouts have a fallback mechanism: when the payout cannot be processed as an instant payout, a standard one will be processed instead. This is what occurred when you encounter the 130007 error code.

#### Causes

This error occurs when the destination bank is not a participant of the SEPA Instant Credit Transfer scheme of the European Payments Council (EPC).

#### What to do

You can check if the bank is reachable beforehand by using the dedicated [POST Check Instant Payout eligibility](/api-reference/payouts/check-instant-payout-eligibility) endpoint.

#### Example

When the bank is not reachable, the instant payment request is processed as a standard payout. Information about the error is returned in the `FallbackReason` parameter.

**`API Response`**

```json API Response
{
    "ModeRequested":"INSTANT_PAYMENT",
    "ModeApplied":"STANDARD",
    "FallbackReason":{
        "ResultCode":"130007",
        "ResultMessage":"Destination Bank is not reachable"
    }
}
```