Common Payout / Withdraw Errors

This error usually indicates a misconfiguration when generating the share token from Sumsub. In other words, the token you’re passing to Coinflow is invalid or cannot be processed.

Resolution Steps

To resolve this issue, check the following:

Tri-Party Agreement: Ensure the agreement has been signed by all parties and properly configured with Coinflow’s Sumsub account
Correct Client ID: When calling Sumsub’s Generate Share Token endpoint, make sure you are passing Coinflow’s client ID as the forClientId param

Error: “Card is not eligible for disbursements”

The user’s card can’t receive payouts due to restrictions from the card network, issuing bank, or card type. Even some debit cards aren’t eligible unless they meet specific criteria.

Common Reasons

Visa/Mastercard may support payouts (Visa Direct, Mastercard Send) if enrolled
Amex/Discover usually don’t support disbursements
Some prepaid cards (especially those not linked to a name or account) don’t support disbursements
Cards issued by banks that block incoming push payments due to internal policy

Recommended Action

We recommend the user contact their bank to confirm eligibility.

Error: “User is blocked”

Typically means the user was flagged for suspected fraud—either on your account or another merchant’s in the Coinflow ecosystem. If it’s the same user across accounts, they may be globally blocked.

How to Check

You can view the reason in the merchant dashboard or by calling the Get Withdrawer endpoint and review withdrawer.availability.reason.

Error: “Share token is not eligible for you”