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Why did my disbursement fail?

This article outlines the most common error codes associated with failed disbursements, including causes, meanings, and recommended next steps.

Below is a list of the card decline codes that may appear for a failed P2C payment.  Click on the related error to get more information. If your error does not fall into this list, please reach out to support@confidolegal.com for more information.

 

 

Deposit Method - ACH

ACH List of NACHA ACH Return Codes. Most of the ACH return codes that you will come across will fall into this list.  Click on the related error to get more information. If your error does not fall into this list, please reach out to support@confidolegal.com for more information.

 

Enhanced Security Errors

  • Account holder name "John Doe" does not match any from client record
  • Account holder name does not match our records
  • Card holder name does not match
  • Identity not found in our records

What these mean:
The client tried to accept the disbursement with a card or account that did not match their client name. For example, the client name attached to the disbursement was John Doe, but the card they tried to accept with was under the name Robin Hood.

Next steps:

  • Do not make a new disbursement

  • Have the client use an acceptance method where the name matches the client on record


 

Error Code: NARR

Issue: Invalid or incomplete payment information.

What this means:
The card-issuing bank was unable to process the disbursement because some of the payment details did not match their records.

Next steps:

  • Confirm the card number, expiration date, CVV, and billing address with the client

  • Correct any incorrect information

  • Retry the disbursement

 

 

Error Code: Invalid deposit option “CARD”

Issue:
The disbursement amount exceeds the maximum allowed limit for Push to Card (P2C) disbursements.

What this means:
Push to Card disbursements are currently capped at $50,000 per transaction. When a client attempts to claim a disbursement via card that exceeds this limit, the system rejects the request and returns this error.

Next steps:

  • Reissue the disbursement in multiple smaller P2C disbursements, each under $50,000, or

  • Use an alternative disbursement method (e.g., ACH or wire), if available

 

 

Error Code: Max volume limit exceeded

Issue:
The disbursement exceeds an internal volume limit configured on the backend.

What this means:
The requested disbursement amount is above the maximum volume currently allowed for the account. This limit is set internally and is not related to the client’s bank, card issuer, or payment method.

Next steps:

  • The firm will need to reach out to Confido Support to request a review and adjustment of the limit

  • Once reviewed and approved, the limit can be updated to allow the disbursement to proceed

 

 

Error Code: 4

Issue: Pick up card.

What this means:
The card-issuing bank has blocked the card and does not permit transactions on it. This typically indicates the card has been deactivated, replaced, closed, or otherwise restricted by the issuer, and it cannot be used for instant disbursements.

Next steps:

  • Do not retry the disbursement to the same card

  • Ask the client to contact their card-issuing bank for details

  • Request an alternative card or use a different disbursement method (e.g., ACH)

  • Only retry if the client’s bank explicitly confirms the card is cleared for use

 

 

Error Code: 5

Issue: Do not honor.

What this means:
The client’s card-issuing bank declined the instant disbursement without providing a specific reason. This is a generic decline and can be cause by a why variety of bank level restrictions.

Next steps:

  • Ask the client to contact their card-issuing bank to identify the reason for the decline

  • Retry the instant disbursement once the bank confirms approval

  • If the decline persists, request an alternative card or use another disbursement method

 

 

Error Code: 12

Issue: Invalid transaction.

What this means:
The card-issuing bank rejected the disbursement because the transaction type is not valid for this card. In a push-to-card context, this often means the card does not support instant disbursements or the transaction structure is not allowed by the issuer.

Next steps:

  • Confirm with the client that their card supports instant disbursements (push-to-card)

  • Ask the client to contact their card-issuing bank to verify eligibility

  • Retry the disbursement if the bank confirms support

  • If the issue persists, request an alternative card or use a different disbursement method (e.g., ACH)

 

 

Error Code: 41/43

Issue: Lost/Stolen Card

What this means:
The card used for the disbursement has been reported as lost or stolen by the cardholder or the issuing bank. As a result, the bank has blocked transactions on this card to prevent unauthorized use.

Next steps:

  • Ask the client to provide a different, active card that has not been reported lost or stolen

  • Retry the disbursement using the new card details

 

 

Error Code: 54

Issue: Card expired.

What this means:
The card used for the disbursement is no longer valid because it has passed its expiration date.

Next steps:

  • Request an updated card from the client

  • Retry the disbursement using the new card details

 

 

Error Code: 57

Issue: Transaction not permitted – card.

What this means:
The card-issuing bank does not allow this type of transaction on the card. This commonly occurs with prepaid cards, some payment-app cards, or cards with restrictions that block push-to-card disbursements.

Next steps:

  • Ask the client to contact their card-issuing bank to confirm whether push-to-card transactions are permitted

  • Request a different card that supports instant disbursements

  • If needed, use an alternative disbursement method such as ACH

 

 

Error Code: 59

Issue: Transaction declined due to suspected fraud.

What this means:
The card-issuing bank’s fraud detection system flagged the disbursement as potentially suspicious and declined it.

Next steps:

  • Ask the client to contact their card-issuing bank to approve the transaction

  • Retry the disbursement after the bank confirms approval

  • If needed, request an alternative card/disbursement method

 

 

Error Code: 61

Issue: Disbursement exceeds transfer limit.

What this means:
The disbursement amount is higher than the client’s allowed transfer limit on their card. This limit is typically set by the card-issuing bank.

Next steps:

  • Ask the client to contact their bank to request a limit increase to accommodate the disbursement OR

  • Reissue the disbursement in multiple smaller disbursements that are each under the card’s limit OR

  • Have the client use an alternate payment method to accept the disbursement

 

 

Error Code: 62

Issue: Invalid or restricted service code.

What this means:
The card’s service code indicates restrictions that prevent this type of transaction. This is often seen with cards that are limited to specific use cases (e.g., ATM-only, domestic-only, or other cards with restricted capabilities).

Next steps:

  • Ask the client to provide a different card without service restrictions

  • Recommend using a traditional debit card from a major bank

  • If the issue continues, request an alternative disbursement method (e.g., ACH)

 

 

Error Code: 78

Issue: Card not activated.

What this means:
The card used for the disbursement has not yet been activated. This commonly occurs with newly issued cards that require activation or first-use verification by the cardholder.

Next steps:

  • Ask the client to activate their card through their card-issuing bank

  • Retry the disbursement once the card is activated

  • If the issue persists, request an alternative card/disbursement method

 

Error Code: R02

Issue: Account closed.

What this means:
The bank account provided by the recipient has been closed and is no longer able to receive ACH credits.

Next steps:

  • Do not retry the disbursement to the same account

  • Ask the recipient to provide a new, active bank account

  • Reissue the disbursement using the updated details

 

 

Error Code: R03

Issue: Unable to locate account / no account.

What this means:
The recipient’s bank could not locate an account matching the provided account number. This usually indicates incorrect or incomplete account information entered during the acceptance process.

Next steps:

  • Ask the recipient to re-enter and verify their bank account and routing numbers

  • Correct any errors

  • Reissue the disbursement once updated

 

 

Error Code: R04

Issue: Invalid account number.

What this means:
The account number provided does not meet the bank’s validation or formatting requirements, so the ACH credit could not be posted.

Next steps:

  • Ask the recipient to carefully re-enter their bank account number

  • Update the incorrect information

  • Reissue the disbursement

 

 

Error Code: R06

Issue: Returned at ODFI’s request.

What this means:
The disbursement was returned at the request of the originating bank, typically due to processing, risk, or compliance review before settlement.

Next steps:

  • Do not immediately retry

  • Contact Confido Support to confirm the return reason

  • Reissue only after the underlying issue has been resolved