FINAP/Reference

Failure is part of the contract

Errors

Handle API failures precisely without flattening them into a generic retry.

01

Status codes

400
Validation error

The request body, path, or query does not match the endpoint schema.

401
Authentication error

The API key is missing, invalid, or revoked.

402
Balance error

The account has insufficient prepaid balance.

404
Not found

The requested BIN, event, visitor, inbox, or resource was not found.

422
Unprocessable

The IBAN provider rejected the supplied format.

502
Upstream failure

A data provider or destination failed to return a usable response.

503
Unavailable

A required provider integration is not configured.

02

Error shape

Business errors generally use a compact error string. Schema validation errors currently return the validator’s structured safe-parse result, so clients should branch on HTTP status before reading a specific body shape.

{
  "error": "Insufficient balance"
}
03

Retry strategy

  1. 01

    Do not retry 4xx blindly

    Fix credentials, balance, validation, or the requested identifier first.

  2. 02

    Back off on 5xx

    Use bounded exponential backoff with jitter for transient provider failures.

  3. 03

    Keep operations observable

    Record status, endpoint, timing, and your own correlation ID around every call.

FINAP / API v1

Last reviewed against the live implementation · July 2026