Code

Error

Scenario

400

general_error

A generic error covering back-end process issues

409

application_create_error

There was an error creating the Credit Application due to a 3rd party timeout

409

tos_agreement_required

Terms and Conditions missing or not agreed

409

customer_already_exists

Customer applying already has an account

409

not_verified

For the online channel, the /apply payload contains different personal information than the /init payload using the same token, or incorrect widget_session_id

Code

Error

Scenario

403

Insufficient scope: authorized scope is insufficient

Scope of the token is not sufficient to access the endpoint

404

not_found

Customer Account, transaction, not found

409

generic_error

A generic error covering back-end process issues

409

invalid_transaction_type

wrong value for transaction type in the request

409

wrong_verification_code

Verification code entered is incorrect

409

verification_code_required

Verification code is a required parameter.

409

user_not_active

Customer Account is not activated

409

user_not_able_to_purchase

Customer account status different to normal (NNOR)

409

limit_payment_amount_24

Payments made on the account exceed the $10,000/day limit

409

not_enough_credit

Customer does not have enough open to buy for transaction amount

409

not_verified

For in-store channel the request_id does not match the one passed in the /verify endpoint

Code

Error

Scenario

404

not_found

Customer Account not found

404

customer_identity_not_found

the customer didn’t pass through the widget or was not authenticated properly

409

credit_exceeded

Amount requested plus interest is greater than the available credit of the customer account.

409

generic_error

A generic error covering back-end process issues

409

auth_not_allowed

Merchant has not been configured for preauthorization

409

plan_term_not_set

Merchant has not been configured for the financing option (Plan and Term or Regular Purchase).

409

plan_term_not_available

• Plan and Term for prime category for a non-prime customer.

• Plan "DP - SAC Interest Accrues" for a QC customer.

• Plan "DP - SAC No Payments + No Interest Accrued" for a ROC customer.

409

user_not_able_to_purchase

Customer account status different than normal (NNOR)

409

not_verified

• For in-store channel the request_id does not match the one passed in the /verify endpoint

• for online channel the widget_session_id does not match the one used on the /init endpoint