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Common causes

Most request failures come from one of these issues:
  • Invalid or expired bearer token
  • Wrong institutionId
  • Incorrect environment URL
  • Missing required request fields
  • Invalid encrypted payload values for secure card operations

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Troubleshooting checklist

When a request fails:
  1. Confirm you are using the correct environment URL.
  2. Confirm your token is still valid.
  3. Check that required headers are present.
  4. Compare your payload with the example in the API reference.
  5. Re-run the request with a fresh OAuth token if needed.