2 min read
The error body
Every error — on either ring — returns a JSON object with a machine-readable code, a human message, and where relevant a details array pinpointing the offending field. Branch on code, not on the message text, which may be reworded. The HTTP status tells you the family; the code tells you the specific fault. See the full tables for the public ring and partner ring.
Which errors to retry
| Status | Meaning | Retry? |
|---|---|---|
| 400 / 422 | Bad or invalid request | No — fix the request |
| 401 / 403 | Auth / scope problem | No — fix the credential |
| 404 | Unknown resource | No |
| 409 | Conflict (e.g. duplicate) | No — reconcile first |
| 429 | Rate limited | Yes — after RateLimit-Reset |
| 5xx | Server error | Yes — exponential back-off |
Retrying safely
A retry is only safe if a replayed write cannot double-act. On mutating partner calls, send an idempotency key: the server records the first result against the key and returns that same result for any replay, so a network-timeout retry of POST /applications never opens two cases. Combine idempotency keys with exponential back-off plus jitter, and cap your total attempts — see the back-off recipe.
Frequently asked questions
Should I retry a 422?
No. A 422 means the request itself is invalid — a bad amount, a missing field, an out-of-range term. Retrying the identical request just fails again. Fix the request using the details array and resubmit.
Is it safe to retry a POST that timed out?
Only if you sent an idempotency key. With a key, the server returns the original result on replay instead of acting twice, so a timed-out application submission cannot become two applications. Without a key, a blind retry can duplicate the action.
Related reading

Rate limiting across both rings
The public ring is metered at 60 requests per 60 seconds per IP. The partner ring uses a token bucket scoped…
Read →
Idempotency and safe retries
Send an Idempotency-Key on every mutating partner call. The server records the first result against the key…
Read →
Webhooks and event delivery
Credicorp pushes events — decision made, payment settled, document signed — to your registered URL as signed…
Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.