Error Codes

Code	Meaning
200	Request successful.
400	Invalid request format, validation error, insufficient balance, limit exceeded, or malformed signature.
401	Missing authentication headers, expired timestamp (±5 min window exceeded), or signature mismatch.
403	Invalid API key, IP not whitelisted, or KYC gate blocking signed API access.
404	Resource not found (typically a beneficiary or payout that doesn't exist or doesn't belong to this business).
409	Idempotency conflict (e.g. beneficiary already exists with same account + IFSC).
500	Internal server error or downstream bank failure on terminal payout state.

Response envelope

All errors return the same envelope shape:

{
  "status": 400,
  "data": null,
  "message": "Failed to add beneficiary",
  "meta": null
}

data may be non-null on 409 (returns the conflicting record) and on 500 for payouts (returns the payout id + final failed status).