Error messageDestination Bank is not reachable
DescriptionThe bank to which the payout is made is not reachable.
Categories
Instant payment

Payout

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Additional information

Instant payouts have a fallback mechanism: when the payout cannot be processed as an instant payout, a standard one will be processed instead. This is what occurred when you encounter the 130007 error code.

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Causes

This error occurs when the destination bank is not a participant of the SEPA Instant Credit Transfer scheme of the European Payments Council (EPC).

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What to do

You can check if the bank is reachable beforehand by using the dedicated POST Check Instant Payout eligibility endpoint.

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Example

When the bank is not reachable, the instant payment request is processed as a standard payout. Information about the error is returned in the FallbackReason parameter.
API Response
{
    "ModeRequested":"INSTANT_PAYMENT",
    "ModeApplied":"STANDARD",
    "FallbackReason":{
        "ResultCode":"130007",
        "ResultMessage":"Destination Bank is not reachable"
    }
}