Errors

Common Errors in Disbursements

Below is a list of common errors you may encounter while using our Disbursements APIs . For simple understanding, we’ve split them into 2 categories:

• Error responses received from our API gateway

• Error codes received in our callbacks in respect of failed disbursements

Error Responses (APIs)

Invalid API fields

We will return an error response if the input entered into the API fields do not meet our API validation requirements .

Sending money below the minimum amount or above the maximum amount

Every bank has a minimum and maximum transaction amount. We will return an error response if the transfer amount requested does not conform to the prescribed limits.

Below is a table setting out the minimum and maximum transfer amounts per transfer per destination bank:

DESTINATION BANK	BCA, MANDIRI, BRI, BNI, BNI SYARIAH	OTHER BANKS
Characters	Numerical integers, no decimals	Numerical integers, no decimals
Maximum transfer limit (per transfer)	No limit***	Rp 25.000.000
Minimum transfer limit (per transfer)	No limit	Rp 10.000

*** While there is theoretically no maximum transfer limit for transfers to these banks, please note that we may have to report all transaction amounts above Rp 100.000.000 to the financial authorities in Indonesia along with supporting documentation regarding the underlying transactions.

Server Error

We will return a SERVER_ERROR error response if there was an error connecting to our server when you were attempting to create a disbursement request.

Please check if the disbursement has already been created in our system before deciding whether to try again. You can do so by checking for the disbursement on your Dashboard or via the Get disbursement by external_id API. If the disbursement has not been created, please retry the disbursement request in 1-2 hours.

Error Codes (Callbacks)

We return error codes in our callbacks where disbursements fail for any reason. It is important that you understand each error code in detail in order to decide on the appropriate action to take. Below is a comprehensive list of the possible error codes that you may receive, as well as short commentaries on what they mean and what our corresponding suggested action is.

S/N	ERROR CODE	DETAILED EXPLANATION	RETRY RECOMMENDATION
1.	INSUFFICIENT_BALANCE	Insufficient balance There is insufficient balance in your account to make the disbursement in the desired amount.	Should I retry ? ✅ Yes, please retry the disbursement after ensuring that you have sufficient balance in your account.
2.	UNKNOWN_BANK_NETWORK_ERROR	Bank unknown error This means the bank has delivered an error they haven't documented, we haven't encountered before or the bank has specified they aren't sure what to do. By definition, this means the bank doesn't know the issue.	Should I retry ? ❗ Unfortunately, we are unable to predict whether the disbursement will succeed should you retry the same disbursement request. You may however choose to retry the same disbursement request at least one hour after receiving our callback at your own discretion.
3.	TEMPORARY_BANK_NETWORK_ERROR	Unexpected downtime We have hardwired routine bank downtime in our system and queue requests received during this period so that they may be disbursed as soon as bank servers are back up again. However, Indonesian banks regularly experience unexpected downtime that typically last 1-3 hours. These may be caused by unexpected maintenance or data centres going down.	Should I retry ? ✅ Yes, please retry the disbursement in 1-3 hours.
4.	SWITCHING_NETWORK_ERROR	Switching network issue Switching networks provide the underlying payments rails for instant transfers. As such, when the switching network provider is having issues, the fund transfer will fail.	Should I retry ? ✅ Yes, please retry the disbursement in 1-3 hours.
5.	INVALID_DESTINATION	Invalid destination account This error occurs when a banking channel tells us an account is invalid. Typically, this means that the account is not yet registered at the destination bank or the bank has blocked the account. This also occurs for newly created bank accounts which have yet to be updated to national databases.	Should I retry ? ❗ You are unlikely to succeed if you retry the same disbursement request. However, there are times when the banks erroneously tell us that an existing bank account doesn't exist. This is an Indonesian bank integrity issue and sometimes is solved by retrying the transaction at least one hour after receiving our callback or by contacting the destination bank directly for more information.
6.	REJECTED_BY_BANK	Transfer rejected by bank Either the sending bank or destination bank can reject fund transfers for a variety of reasons. This is a generic bank error and the banks don't necessarily provide us the details for the failures.	Should I retry ? ❗ Unfortunately, we are unable to predict whether the disbursement will succeed should you retry the same disbursement request. You may however choose to retry the same disbursement request at least one hour after receiving our callback at your own discretion.
7.	TRANSFER_ERROR	Fatal error We’ve encountered a fatal error while processing this disbursement. Normally, this means that certain API fields in your request are invalid.	Should I retry ? ❗ It is unlikely that the same disbursement request will succeed if you retry. Please contact our customer support team for more information.
8.	TEMPORARY_TRANSFER_ERROR	Temporary error We’ve encountered an issue while attempting to process this disbursement. From experience, this issue should be resolved within the next 1-2 hours.	Should I retry ? ✅ Yes, please retry the disbursement in 1-2 hours.