Common Stripe Payout and Payment Errors
Invalid Card Information
- Stripe Error Message: "The card used was invalid. This usually means the card number is invalid or the account has been closed. Please verify card details before retrying."
- What It Means: The card number is incorrect or the account is closed.
- How to Fix: Double-check the card details and retry.
Transfer Declined by Bank
- Stripe Error Message: "The bank has declined this transfer. Please contact the bank before retrying."
- What It Means: The bank refused to process the transfer.
- How to Fix: Contact your bank to resolve the issue before attempting the transfer again.
Lost or Stolen Card
- Stripe Error Message: "The card used has been reported lost or stolen. Please contact the issuing bank for clarification."
- What It Means: The card has been reported lost or stolen and cannot be used.
- How to Fix: Contact the bank for a replacement card.
Transfer Refused by Card Issuer
- Stripe Error Message: "The transfer was refused by the card issuer. Please contact the issuing bank for clarification before trying again."
- What It Means: The card issuer declined the transaction.
- How to Fix: Contact the bank for more details and retry if resolved.
Payment Type Not Permitted
- Stripe Error Message: "The transfer was refused by the issuing bank because this type of payment is not permitted for this card. Please contact the issuing bank for clarification."
- What It Means: The card doesn’t support the type of payment being attempted.
- How to Fix: Contact the bank to understand the limitations or add Payment Account that is supported by Stripe. See here for details on which banks are permitted.
Nonexistent Card Issuer
- Stripe Error Message: "The issuer specified by the card number does not exist. Please verify card details before retrying."
- What It Means: The card issuer is not recognized.
- How to Fix: Verify the card number or use a different card.
Expired Card
- Stripe Error Message: "The card used has expired. Please switch to a different card or payment method. Contact the issuing bank for clarification before trying again."
- What It Means: The card has expired and cannot be used for payments.
- How to Fix: Use a different card or update the payment information with a current card.
Invalid Account Number
- Stripe Error Message: "The bank account details on file are probably incorrect. The routing number seems correct, but the account number is invalid."
- What It Means: The routing number is correct, but the account number is not valid.
- How to Fix: Double-check and update the account number in Stripe.
Other Stripe Payout and Payment Errors
Bank Account Not Set Up Correctly
- Stripe Error Message: "Your destination account needs to have at least one of the following capabilities enabled: transfers, crypto_transfers, legacy_payments."
- What It Means: The bank account isn’t configured to accept the type of transfer Stripe is trying to make.
- How to Fix: Ensure that your bank account supports these capabilities. Contact your bank if necessary
Invalid Amount for Transfer
- Stripe Error Message: "This value must be greater than or equal to 1."
- What It Means: The amount you’re trying to transfer is too low.
- How to Fix: Make sure the transfer amount is at least 1 unit of currency.
Invalid Account ID
- Stripe Error Message: "No record found for id."
- What It Means: The account ID provided doesn’t exist or is incorrect.
- How to Fix: Verify the account ID and try again.
Auto-Disabled Account
- Stripe Error Message: "Account has been auto-disabled based on number of duplicate accounts."
- What It Means: The account has been disabled due to multiple duplicate accounts.
- How to Fix: Contact Stripe Support to resolve the duplicate account issue.
Restricted Bank Account
- Stripe Error Message: "The bank account has restrictions on either the type or number of transfers allowed. This normally indicates that the bank account is a savings or other non-checking account."
- What It Means: The bank account has limitations that prevent certain types of transfers.
- How to Fix: Consider using a different bank account, like a checking account, that supports all transfer types.
Card Usage Frequency Limit Exceeded
- Stripe Error Message: "The selected card has exceeded its card usage frequency limit. Please switch to a different card or payment method. Contact the issuing bank for clarification."
- What It Means: The card has been used too frequently in a short period.
- How to Fix: Wait until the limit resets or use a different card.
Transfer Processing Error
- Stripe Error Message: "Stripe could not process this transfer."
- What It Means: There was a problem processing the transfer.
- How to Fix: Retry the transfer or contact Stripe Support for help.
Bank No Longer Supports Transfers
- Stripe Error Message: "The bank no longer supports transfers to this card."
- What It Means: The bank no longer allows transfers to the card.
- How to Fix: Contact your bank for clarification or use a different card.
Transfer Not Processed by Bank
- Stripe Error Message: "The bank could not process this transfer."
- What It Means: The bank failed to process the transfer for an unspecified reason.
- How to Fix: Retry the transfer or contact your bank for more information.
Closed Bank Account
- Stripe Error Message: "The bank account has been closed."
- What It Means: The bank account is closed and can no longer receive funds.
- How to Fix: Update your Stripe account with a new, active bank account.
Bank Account Not Found
- Stripe Error Message: "The bank account details on file are probably incorrect. No bank account could be located with those details."
- What It Means: The provided bank account details do not match any existing account.
- How to Fix: Verify and correct the account details.
Frozen Bank Account
- Stripe Error Message: "The bank account has been frozen."
- What It Means: The bank account is frozen and cannot process transactions.
- How to Fix: Contact your bank to resolve the issue before retrying
Card Limit Exceeded
- Stripe Error Message: "The card issuer has declined the transaction as it will exceed the card limit. Please switch to a different card or payment method. Contact the issuing bank for clarification."
- What It Means: The transaction exceeds the card’s limit.
- How to Fix: Use a different card or contact the bank to increase the limit.
General Bank Account Error
- Stripe Error Message: "The bank account details on file are probably incorrect."
- What It Means: There’s an issue with the bank account details provided.
- How to Fix: Double-check all bank account details and update them if needed.
Issuing Bank Unavailable
- Stripe Error Message: "The issuing bank is currently unavailable. Please wait a bit before trying again, or switch to a different payment method or card."
- What It Means: The issuing bank is temporarily unavailable.
- How to Fix: Wait and try again later, or use a different payment method.