Error Handling

When communicating with the bank several errors or unexpected situations can occur. Among other scenarios the consumer could be blocked from accessing his or her bank account or the bank could be having technical difficulties. Therefore the following error categories have been defined:

  • USER
    • an error caused by the consumer happened
  • USER.ACCESS_DENIED
    • access was denied
  • USER.ACCESS_DENIED.CREDENTIALS
    • access was denied, because the consumer provided incorrect credentials
  • USER.ACCESS_DENIED.BLOCKED
    • access was denied, because the consumer's account is blocked by the bank
  • USER.CONFIGURATION
    • the consumer has to manually log into her/his account, because the bank expects some kind of configuration
  • USER.CONFIGURATION.CONFIRM_INFOPAGE
    • the consumer has to manually log into her/his account and confirm that she/he has read an information message
  • USER.CONFIGURATION.ACCOUNT
    • the consumer has to manually log into her/his account and perform configurations related to her/his account
  • USER.CONFIGURATION.AUTHENTICATION_METHOD
    • the consumer has to manually log into her/his account and perform configurations related to authentication methods
  • USER.SESSION
    • an error occurred that is related to the consumer's session
  • USER.SESSION.TIMEOUT
    • the consumer took too long to proceed in the session
  • USER.SESSION.DUPLICATE
    • the consumer has logged into her/his bank account on a different device or browser window and thus blocks Open banking. by Klarna from accessing the account
  • USER.TRANSFER_DENIED
    • the transfer was denied, because of unspecified reasons related to the consumer
  • USER.TRANSFER_DENIED.INSUFFICIENT_FUNDS
    • the transfer was denied, because the consumer did not have sufficient funds
  • USER.TRANSFER_DENIED.TRANSFER_TYPE_NOT_POSSIBLE
    • the transfer was denied, because the type of transfer is not possible
  • BANK
    • an error caused by the bank happened
  • BANK.TRANSFER_DENIED
    • the transfer was denied by the bank
  • BANK.TRANSFER_DENIED.DUPLICATE
    • the transfer was denied, because it duplicates a recent transfer
  • BANK.TRANSFER_DENIED.TO_ACCOUNT_BLOCKED
    • the transfer was denied, because the bank prevents sending money to the recipient's account.
  • BANK.TECHNICAL
    • a technical error caused by the bank happened
  • BANK.API_TIMEOUT
    • the bank took too long to respond
  • TECHNICAL
    • a technical error happened
  • NOT_SUPPORTED
    • the requested action is not supported
  • NOT_SUPPORTED.SEVERAL_ACCESSORS
    • the requested action is not supported, because a transfer would have to be confirmed by a second accessor of the account
  • NOT_SUPPORTED.BUSINESS_ACCOUNT
    • the requested action is not supported, because the consumer's account is a business account
  • NOT_SUPPORTED.ACCOUNTS_NOT_APPLICABLE
    • the requested action is not supported, because there are no applicable accounts to execute this action
  • NOT_SUPPORTED.AUTHENTICATION_METHOD
    • the requested action is not supported, because of an unsupported authentication method
  • NOT_SUPPORTED.AUTHENTICATION_METHOD.ON_MOBILE_DEVICE
    • the requested action is not supported, because the authentication method is not allowed for the mobile device the consumer is using
  • MAINTENANCE
    • one or more of the services involved is undergoing maintenance
  • MAINTENANCE.BANK
    • the bank's service is undergoing maintenance
  • MAINTENANCE.BANK.ACCOUNTS
    • the bank's service is undergoing maintenance that affects the consumer's account
  • MAINTENANCE.BANK.TRANSFER
    • the bank's service is undergoing maintenance that affects doing transfers
  • MAINTENANCE.XS2A
    • Open banking. by Klarna is undergoing maintenance

The format for error categories is "CATEGORY(.SUBCATEGORY(.SUBSUBCATEGORY(..arbitrarily nested..))) with anything but "CATEGORY" being optional. Using these categories the error is described as precise as possible. Error categories in the responses of the endpoints for the XS2A App are reduced to the top-level category for TECHNICAL, NOT_SUPPORTED and MAINTENANCE.

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