9501 input error (php based project)

[sdasdsad2]

Hi Team getting this issue, I am pretty sure the cert, key and creds are all right, if i enter wrong pass it says invalid cred thats how i tested. I thought it was datre in past at first.

How this project was setup for anyone in the future. I first set it up so I can access HelloWorld from this guide successfully using 

$client = new Client([

'base_uri' => $this->baseUrl,

'cert' => $this->cert,

'ssl_key' => $this->key,

'verify' => false, // Only for development. Use true in production.

'auth' => [$this->username, $this->password],

]);

then i get this error when using visa direct

{

"status": "error",

"message": "Multi Push Funds Transfer failed",

"error": "Client error: `POST https://sandbox.api.visa.com/visadirect/fundstransfer/v1/multipushfundstransactions` resulted in a `400 Bad Request` response:\n{\"responseStatus\":{\"code\":\"9501\",\"severity\":\"ERROR\",\"message\":\"Invalid input found, please correct the input data\",\"info (truncated...)\n",

"details": "{\"responseStatus\":{\"code\":\"9501\",\"severity\":\"ERROR\",\"message\":\"Invalid input found, please correct the input data\",\"info\":\"\",\"status\":\"400\"}}"

}

my payload 

{
"payload": {
"request": [
{
"amount": "100.00",
"senderAddress": "My Address",
"localTransactionDateTime": "2024-09-07T14:45:30",
"recipientPrimaryAccountNumber": "4957030420210454",
"cardAcceptor": {
"address": {
"state": "CA",
"county": "00",
"country": "USA",
"zipCode": "94454"
},
"idCode": "5678",
"name": "Mr Smith",
"terminalId": "1234"
},
"senderReference": "",
"transactionIdentifier": "234234234234234",
"retrievalReferenceNumber": "401010101011",
"senderCity": "My City",
"senderStateCode": "CA",
"systemsTraceAuditNumber": "101011",
"senderName": "Mr Name",
"settlementServiceIndicator": "9",
"transactionCurrencyCode": "USD",
"recipientName": "Akhila",
"senderCountryCode": "USA",
"feeProgramIndicator": "123",
"sourceOfFundsCode": "01",
"senderAccountNumber": "4005520000011126"
},
{
"amount": "100.00",
"senderAddress": "My Address",
"localTransactionDateTime": "2024-09-07T14:45:30",
"recipientPrimaryAccountNumber": "4957030420210454",
"cardAcceptor": {
"address": {
"state": "CA",
"county": "00",
"country": "USA",
"zipCode": "94454"
},
"idCode": "5678",
"name": "Mr Smith",
"terminalId": "1234"
},
"senderReference": "",
"transactionIdentifier": "234234234234235",
"retrievalReferenceNumber": "401010101012",
"senderCity": "My City",
"senderStateCode": "CA",
"systemsTraceAuditNumber": "101012",
"senderName": "Mr Name",
"settlementServiceIndicator": "9",
"transactionCurrencyCode": "USD",
"recipientName": "Akhila",
"senderCountryCode": "USA",
"feeProgramIndicator": "123",
"sourceOfFundsCode": "01",
"senderAccountNumber": "4840920103511221"
}
],
"localTransactionDateTime": "2024-09-07T14:45:30",
"businessApplicationId": "AA",
"merchantCategoryCode": "6012",
"acquirerCountryCode": "840",
"acquiringBin": "408999"
}
}

[sdasdsad2]

{
"response": {
"responseStatus": {
"code": "9501",
"severity": "ERROR",
"message": "Invalid input found, please correct the input data",
"info": "",
"status": "400"
}
},
"headers": {
"Server": ["nginx"],
"Date": ["Sat, 07 Sep 2024 06:17:09 GMT"],
"Content-Type": ["application/json;charset=UTF-8"],
"Content-Length": ["141"],
"Connection": ["keep-alive"],
"X-SERVED-BY": ["-576878785r"],
"X-CORRELATION-ID": ["1725689829_204_1873958024_-576878785r_VDP_WS"],
"X-ERROR-ORIGIN": ["9900"],
"X-APP-STATUS": ["400"],
"X-Backside-Transport": ["FAIL FAIL,FAIL FAIL"],
"X-Application-Error-Code": ["3001"],
"X-Global-Transaction-ID": ["9869559666dbefe50e2e35a4"],
"Cache-Control": ["no-cache, no-store, must-revalidate"],
"X-Frame-Options": ["SAMEORIGIN"],
"X-XSS-Protection": ["0"],
"X-Content-Type-Options": ["nosniff"],
"Strict-Transport-Security": ["max-age=31536000;includeSubdomains"],
"Pragma": ["no-cache"],
"Expires": ["-1"]
}
}