Error Code Category Description Likely Cause Recommended Action
AUTH_001 Authentication Invalid or expired API key Missing `Authorization` header, malformed Bearer token, or revoked credentials Verify your API key in the Developer Dashboard. Regenerate if rotated.
AUTH_003 Authentication Insufficient permissions Account lacks required scope or organizational role Contact your workspace admin to request elevated permissions.
PAY_4001 Payments Insufficient funds Transaction amount exceeds available balance or credit limit Add funds to the funding source or use an alternative payment method.
PAY_4002 Payments Card declined by issuer Bank fraud filter, expired card, or international restriction Check with card issuer. Enable online transactions if restricted.
PAY_5020 Payments Payment gateway timeout Network latency or processing delay from payment processor Retry with exponential backoff. Check status page for provider outages.
RATE_4290 Rate Limits Rate limit exceeded Too many requests within the allowed timeframe Implement exponential backoff. Respect `Retry-After` header.
RATE_4291 Rate Limits Burst limit exceeded Sudden spike in request volume surpassing short-window threshold Throttle initial requests. Use webhooks instead of polling.
VAL_4001 Validation Invalid date format Expected ISO 8601 (`YYYY-MM-DD`) but received malformed string Format dates using ISO 8601 standard. Include timezone offsets.
VAL_4002 Validation Missing required field Payload omits mandatory parameters for the endpoint Review endpoint schema. Include all required fields in request body.
VAL_4003 Validation Invalid amount format Amount sent as string or lacks required decimal precision Send amounts as integers representing cents or decimals with exactly 2 places.
SYS_5001 System Service temporarily unavailable Scheduled maintenance, deployment, or upstream dependency failure Check status.wealthguard.dev. Retry in 5-10 minutes.
SYS_5003 System Database connection pool exhausted High concurrency causing backend queue saturation Implement client-side queuing. Retry with jittered backoff.
SYS_5024 System Gateway timeout Upstream service failed to respond within 30s threshold Verify network connectivity. Contact support if persists >5 mins.

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