Banking Error Code
Banking / ACH / Payment Failures
Bank System / Generic (User-Facing Status Messages)

Verification failed | Verification not completed

Industry
Banking
Canonical
/banking/error-codes/verification-failed/
Last Updated
Feb 25, 2026
Summary

This status indicates a required verification step did not complete successfully, preventing the transaction or account action from proceeding.

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What This Code Means

“Verification failed” indicates that the system required a verification step—such as identity confirmation, security confirmation, or account validation—and that step did not pass. Verification can be triggered for sensitive actions like adding a recipient, initiating a high-value transfer, changing account settings, or approving payments. This status reflects a security and eligibility gate, not a funds or settlement outcome. It does not automatically mean the user entered incorrect information; it means the system did not accept the verification result for that attempt. The failure can be due to incomplete verification, mismatched signals, or policy thresholds.

Where Users Usually See This Code

  • During transfers that require additional confirmation
  • When enabling new payment features or adding new payees
  • In account onboarding or security checkpoints within banking apps

Why This Code Appears

  • Verification step did not complete within required time or sequence
  • Security checks did not meet acceptance thresholds
  • Required verification information was missing or inconsistent
  • Risk controls required additional verification not satisfied in that attempt

What Typically Happens Next

  • The transaction or action is blocked and not processed
  • The system may request a new verification attempt
  • Some functions may remain limited until verification is completed successfully

What This Code Is Not

  • It is not a payment decline based on issuer approval
  • It is not a system outage by itself
  • It is not confirmation that a transaction posted and then reversed

Troubleshooting Checklist

  • Review whether the platform requested a specific verification step and whether it completed fully
  • Check for any account notices indicating verification requirements or limitations
  • Confirm whether verification failure occurs for one action or across multiple actions
  • If verification failure persists, contact official support to clarify required verification steps for the account

Notes And Edge Cases

Verification outcomes can vary by transaction context, device, and security posture. Some systems increase verification strictness after unusual activity, leading to sudden verification failures on actions that previously worked. In multi-step flows, a verification step can succeed but the final submission fails for other reasons; in user-facing views, this may still appear as “verification failed” depending on mapping. The status message usually does not disclose which verification signal failed.

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