> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 130007

> <small>&#8249; [All error codes](/errors/codes#instant-payouts)</small>

<table>
  <tbody>
    <tr>
      <th class="header"><strong>Error message</strong></th>
      <td class="table-content">Destination Bank is not reachable</td>
    </tr>

    <tr>
      <th class="header"><strong>Description</strong></th>
      <td class="table-content">The bank to which the payout is made is not reachable.</td>
    </tr>

    <tr>
      <th class="header"><strong>Categories</strong></th>

      <td class="table-content">
        <div class="label">Instant payment</div>\
        <div class="label">Payout</div>
      </td>
    </tr>
  </tbody>
</table>

#### 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.

#### 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).

#### What to do

You can check if the bank is reachable beforehand by using the dedicated <a href="/api-reference/payouts/check-instant-payout-eligibility">POST Check Instant Payout eligibility</a> endpoint.

#### 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.

```json API Response theme={null}
{
    "ModeRequested":"INSTANT_PAYMENT",
    "ModeApplied":"STANDARD",
    "FallbackReason":{
        "ResultCode":"130007",
        "ResultMessage":"Destination Bank is not reachable"
    }
}
```