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Payment failures with the API

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If an in-progress payment fails, Ripple Payments Direct provides details about the failure so that you can take appropriate steps to recover from it. Additionally, it releases any funds that were reserved to complete the payment, and adds them back to your available balance.

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Payment failures can happen for a variety of reasons, some of which are user errors that you can fix, and others that require working with your Ripple liaison or technical services team to resolve. Ripple Payments Direct provides descriptive error messages to help you determine whether you can recover from the failure by simply retrying with the same information, or if you need to make other changes.

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The following table lists some commonly occurring payment failures and suggestions for recovery. Note that this is not a complete list of failures that may occur.

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Failure reasonFailure detailsSuggested actions for failure recovery
Insufficient fundsThe available balance in your account is less than the payment amount you specified in your payment request.Add funds to your account, request a new quote, and initiate a new payment.
Past-due invoiceYour account has a past-due invoice.Settle the past due invoice, request a new quote, and initiate a new payment.
Transaction limit reachedYou have already reached the number of transactions you're allowed to make in a 24-hour period.When the next 24-hour period begins, request a new quote, and initiate a new payment.
Transaction amount limit exceededThe payment amount you specified is higher than your account's transaction limit.Retry the payment with a payment amount that's lower than your account's transaction limit.
Inactive beneficiaryThe payment beneficiary you specified is inactive.Retry the payment with a valid beneficiary ID.
Mismatched identityThe identity ID you provided for the payment beneficiary is not associated with a beneficiary-type identity.Retry the payment with an accurate beneficiary identity ID.
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