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

# Payments

> Public error codes for Payments API endpoints

All error responses follow the standard [error format](/api-reference/errors/error-handling).
Validation errors (422) and rate limit errors (429) apply to all endpoints and are documented in the [Error Handling guide](/api-reference/errors/error-handling).

| Code                            | Status | Detail                                                                                                                 |
| ------------------------------- | ------ | ---------------------------------------------------------------------------------------------------------------------- |
| `invalid_value`                 | 400    | A request value is invalid.                                                                                            |
| `unauthenticated`               | 401    | Authentication is required.                                                                                            |
| `forbidden`                     | 403    | You do not have permission to perform this action.                                                                     |
| `external_account_not_found`    | 404    | External account not found.                                                                                            |
| `multiwallet_not_enabled`       | 404    | Multiwallet is not enabled.                                                                                            |
| `payment_not_found`             | 404    | Payment not found.                                                                                                     |
| `recipient_agent_not_found`     | 404    | The specified recipient agent does not exist.                                                                          |
| `already_exists`                | 409    | The resource already exists.                                                                                           |
| `conflict`                      | 409    | The request conflicts with the current resource state.                                                                 |
| `customer_wallet_required`      | 409    | A customer wallet is required before creating this payment.                                                            |
| `external_account_not_verified` | 409    | External account must be verified before it can be used.                                                               |
| `insufficient_funds`            | 409    | Insufficient funds.                                                                                                    |
| `payment_failed`                | 409    | Payment failed.                                                                                                        |
| `recipient_agent_not_eligible`  | 422    | The specified recipient agent is not eligible to receive wallet-backed payments.                                       |
| `recipient_not_eligible`        | 422    | The selected recipient is not yet eligible to receive wallet-backed payments.                                          |
| `rate_limited`                  | 429    | Too many requests.                                                                                                     |
| `server_error`                  | 500    | Something went wrong.                                                                                                  |
| `bad_gateway`                   | 502    | We couldn't complete that request because one of Natural's services returned an unexpected response. Please try again. |
| `service_unavailable`           | 503    | The service is temporarily unavailable.                                                                                |