# Incomplete Authorization source: https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md The following errors occur when the end user provides inadequate response to security questions while connecting to a financial institution. * [931](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#931) * [938](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#938) * [940](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#940) * [185](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#185) * [187](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#187) * [10814](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#10814) * [12003](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#12003) * [38007](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#38007) * [50025](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#50025) ## 931 {#931} | Title | Details | |-----------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 931 | | **Remediation Category** | Re-Authenticate or Provide Additional Information | | **HTTP Status** | 500 | | **Data Connect Alert** | No associated alert. | | **Error Message** | End user must refresh accounts and answer OTP every time they want updated data. | | **Common Causes** | For security reasons, we could not connect to the end user's selected account at this time.​ Information provided during authentication is either incomplete or insufficient to link an account and access data. For example, incorrect response to security questions, such as incorrect security code or an expired security code due to time lapse. | | **Troubleshooting Steps** | * Data Connect alerts will automatically prompt the end user when they are in a session to take suggested remediation action on your behalf. * Best Practice: Developers may prompt the end users to log into their application to ensure the end users can take timely recommended action so that data access/refresh can be resumed. * If the issue persists, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue.​ | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md) ## 938 {#938} | Title | Details | |-----------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 938 | | **Remediation Category** | Retry Later | | **HTTP Status** | 500 | | **Data Connect Alert** | Go to your financial institution security settings and enable data sharing. (938) ![938](https://static.developer.mastercard.com/content/open-finance-au/uploads/938-1.png) ​ | | **Error Message** | An error occurred in the financial institution connection. | | **Common Causes** | For security reasons, we could not connect to the end user's selected account at this time.​ Information provided during authentication is either incomplete or insufficient to link an account and access data. For example, incorrect response to security questions, such as incorrect security code or an expired security code due to time lapse. | | **Troubleshooting Steps** | * Data Connect alerts will automatically prompt the end user when they are in a session to take suggested remediation action on your behalf. * Best Practice: Developers may prompt the end users to log into their application to ensure the end users can take timely recommended action so that data access/refresh can be resumed. * If the issue persists, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue.​ | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md) ## 940 {#940} | Title | Details | |-----------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 940 | | **Remediation Category** | Report or Escalate for Investigation | | **HTTP Status** | 500 | | **Data Connect Alert** | We ran into a connection issue. Try again later or select another financial institution. (940). ![940](https://static.developer.mastercard.com/content/open-finance-au/uploads/940-1.png) | | **Error Message** | Broadcast Message like High security to be accepted to proceed OR Completely stopped FI to support or Sub Accounts FIs That are Not Supported. | | **Common Causes** | For security reasons, we could not connect to the end user's selected account at this time.​ There can be several reasons: * Information provided during authentication is either incomplete or insufficient to link an account and access data * Incorrect response to security questions, for example, incorrect security code or an expired security code due to time lapse. | | **Troubleshooting Steps** | * Data Connect alerts will automatically prompt the end user when they are in a session to take suggested remediation action on your behalf. * Best Practice: Developers may prompt the end users to log into their application to ensure the end users can take timely recommended action so that data access/refresh can be resumed. * If the issue persists, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue.​ | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md) ## 185 {#185} | Title | Details | |-------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 185 | | **Remediation Category** | Data Connect Fix | | **HTTP Status** | 500 | | **Data Connect Alert** | If [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) is integrated, the following message will be displayed​: One of your security questions (e.g. name of your first pet) has expired and needs to be answered. (185) ![185](https://static.developer.mastercard.com/content/open-finance-au/uploads/185.png) | | **Error Message** | Missing or incorrect MFA answer. One of your security questions (for example, name of your first pet) needs has expired and needs to be answered. | | **Common Causes** | * This error occurs during automated data refresh for only the accounts that have been already added or linked. * If a financial institution requires Multi-Factor Authentication (MFA) on every login, the end user is required to authenticate each time in order to receive new data. * This error will be returned if the end user either fails to provide a response, provides an incorrect response or an expired response to security questions or MFA. | | **Troubleshooting Steps** | * Prompt the end user to attempt to add accounts again entering the correct MFA information. If the end user continues to answer incorrectly they may need to go to their financial institution and update their MFA questions/answers and then try again. * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. * Call Refresh Customer Account and follow the MFA sequence to prompt your user to carefully re-enter the MFA response. | | **Data Connect Fix Eligible** | * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. This is a separate integration. To know more about [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md), contact your account management representative. * If Data Connect Fix is already integrated, then try a refresh request. * If refresh request fails to address the issue, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue. | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md) ## 187 {#187} | Title | Details | |-------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 187 | | **Remediation Category** | Re-Authenticate or Provide Additional Information | | **HTTP Status** | 500 | | **Data Connect Alert** | If [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) is integrated, following message will be displayed​: Your answer to the security question doesn't match this account. If this persists, sign into your bank's website to ensure access, and then try again. (187) ![187](https://static.developer.mastercard.com/content/open-finance-au/uploads/187-1.png) | | **Error Message** | Missing or incorrect MFA answer. One of your security questions (for example, name of your first pet) has expired and needs to be answered. | | **Common Causes** | * This error occurs during automated data refresh for only the accounts that have been already added or linked. * If a financial institution requires Multi-Factor Authentication (MFA) on every login, the end user is required to authenticate each time in order to receive new data. * This error will be returned if the end user either fails to provide a response, provides an incorrect response or an expired response to security questions or MFA. | | **Troubleshooting Steps** | * Prompt the end user to attempt to add accounts again entering the correct MFA information. If the end user continues to answer incorrectly they may need to go to their financial institution and update their MFA questions/answers and then try again. * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. * Call Refresh Customer Account and follow the MFA sequence to prompt your user to carefully re-enter the MFA response. | | **Data Connect Fix Eligible** | * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. This is a separate integration. To know more about [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md), contact your account management representative. * If Data Connect Fix is already integrated, then try a refresh request. * If refresh request fails to address the issue, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue. | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md#account-errors) ## 10814 {#10814} | Title | Details | |-------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 10814 | | **Remediation Category** | Re-Authenticate or Provide Additional Information | | **HTTP Status** | 500 | | **Data Connect Alert** | Please verify and re-enter your correct answer. (10814) ![10814](https://static.developer.mastercard.com/content/open-finance-au/uploads/10814.png) | | **Error Message** | Invalid MFA (Multi Factor Authentication) session identifier. | | **Common Causes** | * This error occurs during automated data refresh for only the accounts that have been already added or linked. * If a financial institution requires Multi-Factor Authentication (MFA) on every login, the end user is required to authenticate each time in order to receive new data. * This error will be returned if the end user either fails to provide a response, provides an incorrect response or an expired response to security questions or MFA. | | **Troubleshooting Steps** | * Prompt the end user to attempt to add accounts again entering the correct MFA information. If the end user continues to answer incorrectly they may need to go to their financial institution and update their MFA questions/answers and then try again. * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. * Call Refresh Customer Account and follow the MFA sequence to prompt your user to carefully re-enter the MFA response. | | **Data Connect Fix Eligible** | * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. This is a separate integration. To know more about [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md), contact your account management representative. * If Data Connect Fix is already integrated, then try a refresh request. * If refresh request fails to address the issue, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue. | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md) ## 12003 {#12003} | Title | Details | |-----------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 12003 | | **Remediation Category** | Re-Authenticate or Provide Additional Information | | **HTTP Status** | 409 or 500 | | **Error Message** | MFA/OTP Encountered​. | | **Common Causes** | This error occurs if the end user either fails to provide a response, provides an incorrect response or an expired response to security questions or Multi-Factor Authentication (MFA). | | **Troubleshooting Steps** | Prompt the end user to attempt to add accounts again entering the correct MFA information. If the end user continues to answer incorrectly they may need to go to their financial institution and update their MFA questions/answers and then try again. | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue. | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md#account-errors) ## 38007 {#38007} | Title | Details | |-------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 38007 | | **Remediation Category** | Verify Account or Data State | | **HTTP Status** | 500 | | **Data Connect Alert** | We ran into a connection issue, try again later or select another institution. (38007) ![38007](https://static.developer.mastercard.com/content/open-finance-au/uploads/38007.png) | | **Error Message** | Missing or incorrect MFA answer. One of your security questions (for example, name of your first pet) has expired and needs to be answered. | | **Common Causes** | * This error occurs during automated data refresh for only the accounts that have been already added or linked. * If a financial institution requires Multi-Factor Authentication (MFA) on every login, the end user is required to authenticate each time in order to receive new data. * This error will be returned if the end user either fails to provide a response, provides an incorrect response or an expired response to security questions or MFA. | | **Troubleshooting Steps** | * Prompt the end user to attempt to add accounts again entering the correct MFA information. If the end user continues to answer incorrectly they may need to go to their financial institution and update their MFA questions/answers and then try again. * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. * Call Refresh Customer Account and follow the MFA sequence to prompt your user to carefully re-enter the MFA response. | | **Data Connect Fix Eligible** | * [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md) flow can be leveraged to enable your end users to re-authenticate. This is a separate integration. To know more about [Data Connect Fix](https://developer.mastercard.com/open-finance-au/documentation/connect/generate-2-connect-url-apis/index.md), contact your account management representative. * If Data Connect Fix is already integrated, then try a refresh request. * If refresh request fails to address the issue, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue. | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md#account-errors) ## 50024 {#50024} | Title | Details | |-----------------------------|-------------------------------------| | **Aggregation Status Code** | 50024 | | **Remediation Category** | Verify Account or Data State | | **HTTP Status** | | | **Data Connect Alert** | | | **Error Message** | Institution does not support OAuth. | | **Common Causes** | | | **Troubleshooting Steps** | | | **Retriable by End User** | | | **Access to Latest Data** | | [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md#account-errors) ## 50025 {#50025} | Title | Details | |-----------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Aggregation Status Code** | 50025 | | **Remediation Category** | Report or Escalate for Investigation | | **HTTP Status** | 500 | | **Data Connect Alert** | We ran into a connection issue, try again or select another institution. (50025) ![50025](https://static.developer.mastercard.com/content/open-finance-au/uploads/50025.png) | | **Error Message** | Oops, something went wrong. Try again in a few minutes. | | **Common Causes** | For security reasons, we could not connect to the end user's selected account at this time.​ There can be several reasons: * Information provided during authentication is either incomplete or insufficient to link an account and access data * Incorrect response to security questions, for example, incorrect security code or an expired security code due to time lapse. | | **Troubleshooting Steps** | * Data Connect alerts will automatically prompt the end user when they are in a session to take suggested remediation action on your behalf. * Best Practice: Developers may prompt the end users to log into their application to ensure the end users can take timely recommended action so that data access/refresh can be resumed. * If the issue persists, submit a [support ticket](https://developer.mastercard.com/open-finance-au/documentation/support/index.md#create-a-support-case-in-scm). | | **Retriable by End User** | Yes, the end user will be able to resume session, once the connection to the selected financial institution is fixed. The end user may need to make several authentication attempts to assist in resolving the error. ​ | | **Access to Latest Data** | You will be unable to access the latest data for this user's account until the end user resolves the issue. | [Back to top](https://developer.mastercard.com/open-finance-au/documentation/errors/accounterrors/incompleteauth/938-940-971-185-187/index.md#931) [Full Error List](https://developer.mastercard.com/open-finance-au/documentation/errors/error-list/index.md)