When paying vendors, there may be issues with sending payment. This article is meant to provide information on the cause and resolution for the different errors you may encounter.
Unable to connect to verified bank account
If connected via Manual ACH Entry:
Ensure account details are correct.
The routing number is 9 digits and for a U.S. bank.
The account number is between 5 and 17 digits.
The account type is Checking or Savings.
If connected via Plaid:
Confirm that the onboarding widget has been fully completed. See article
In some cases, a bank account cannot be connected due to risk, even if the details are correct. If the customer still can't add a bank after checking the steps above, email Vic.ai support who contact the risk team to gather more information.
Invalid External Account Number
This means the bank account number entered is not valid for the provided routing number.
This usually happens due to a typo or incorrect digit in the account number, or because the account number format doesn’t match what that bank expects.
Resolution: Confirm the routing number with the bank and update the account bank account details.
Credit entry refused by the receiver
The receiving bank rejected the transfer.
Likely causes:
The receiving bank doesn’t recognize the payment or the sender
The amount was incorrect
An ACH transfer can be returned with an R23 (Credit Refused by Receiver) if the recipient notifies their bank that they do not want to accept the credit. Under NACHA rules, the receiving bank must process the return within 2 banking days of the customer's notification.