Below are ACH return codes, reasons, and details.

If you are an ACHQ merchant and require more information on an ACH return please contact our support team. If you’re not processing ACH/eCheck payments through ACHQ today, please contact our sales department for more information.

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CodeTitleDescription & Action(s)
R01Insufficient FundsThe available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.

What to Do:

You can try the transaction again up to two times within 30 days of the original authorization date.

R02Account ClosedA previously active account has been closed by action of the customer or the RDFI.

What to Do:

Contact your customer for a different bank account, or for another form of payment.

If you have not yet shipped the goods or provided the services covered by the payment, you may want to wait to do so until you have confirmation of a settled payment.

R03No Account/Unable to Locate AccountThe account number structure is valid and it passes the check digit validation, but the account number does not correspond to the individual identified in the entry, or the account number designated is not an open account.

What to Do:

Contact your customer and confirm the Routing Number, Bank Account Number and the exact name on the bank account. (You can request a copy of a voided check so that you can verify.)

If this information does not exactly match what you initially entered, make changes and submit a NEW payment.

R04Invalid Account NumberThe account number structure is not valid.  The entry may fail the check digit validation or may contain an incorrect number of digits.

What to Do:

Obtain the correct bank account number.(You can request a copy of a voided check so that you can verify.)

Submit a NEW payment using the corrected bank account number.

R05Unauthorized Debit EntryAccount number structure not valid: entry may fail check digit validation or may contain incorrect number of digits.

* You cannot re-submit this transaction. Any additional transactions you attempt to process against this account will also be returned unless your customer specifically instructs his bank to accept them.

What to Do:

Contact your customer and resolve any issues that caused the transaction to be disputed.

You can ask the customer for a different form of payment, or ask to debit a different bank account.

If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions.

Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect.

If this action is taken, please contact ACHQ.

R06Returned per ODFI’s RequestThe ODFI has requested that the RDFI return the ACH entry.  If the RDFI agrees to return the entry, the ODFI must indemnify the RDFI according to Article Five (Return, Adjustment, Correction, and Acknowledgment of Entries and Entry Information) of these Rules.

What to Do:

Please contact ACHQ

R07Authorization Revoked by Customer (adjustment entries)Authorization Revoked by Customer – Consumer, who previously authorized ACH payment, has revoked authorization from Originator (must be returned no later than 60 days from settlement date and customer must sign affidavit).

What to Do:

Immediately suspend any recurring payment schedules entered for this bank account. This will prevent additional transactions from being returned while you address the issue with your customer. Then contact your customer and resolve any issues that caused the transaction to be disputed or the schedule to be cancelled.

You can ask the customer for a different form of payment, or ask to debit a different bank account.
If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions.

Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect. If this action is taken, please contact ACHQ.

R08Payment Stopped or Stop Payment on ItemThe Receiver of a recurring debit transaction has the right to stop payment on any specific ACH debit.  The RDFI should verify the Receiver’s intent when a request for stop payment is made to ensure this is not intended to be a revocation of authorization.

A stop payment order shall remain in effect until the earliest of the following occurs:  a lapse of six months from the date of the stop payment order, payment of the debit entry has been stopped, or the Receiver withdraws the stop payment order.

OR

The RDFI determines that a stop payment order has been placed on the item to which the PPD debit entry constituting notice of presentment or the  PPD Accounts Receivable Truncated Check Debit Entry relates. [The RDFI determines that a stop payment order has been placed on the item to which the PPD Accounts Receivable Truncated Check Debit Entry relates.]

What to Do:

Contact your customer and resolve any issues that caused the transaction to be stopped.

You can re-enter the returned transaction again with proper authorization from your customer. You can also ask your customer for a different form of payment.

R09Uncollected FundsSufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of transactions in the process of collection (i.e., uncollected checks) brings the available and/or cash  reserve balance below the dollar value of the debit entry.

What to Do:

You can try the transaction again up to two times within 30 days of the original authorization date.

R10Customer Advises Not Authorized; Item Is Ineligible, Notice Not Provided, Signatures Not Genuine, or Item Altered (adjustment entries)For entries to Consumer Accounts that are not PPD debit entries constituting notice of presentment or PPD Accounts Receivable Truncated Check Debit Entries in accordance with Article Two, subsection 2.1.4(2), the RDFI has been notified by its customer, the Receiver, that the Originator of a given transaction has not been authorized to debit his account.

[For entries to Consumer Accounts that are not PPD Accounts Receivable Truncated Check Debit Entries in accordance with Article Two, subsection 2.1.4(2) (Authorization/Notification for PPD Accounts Receivable Truncated Check Debit Entries), the RDFI has been notified by its customer, the Receiver, that the Originator of a given transaction has not been authorized to debit his account.]

What to Do:

The Receiver may request immediate credit from the RDFI for an unauthorized debit.  The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry.

OR

Immediately suspend any recurring payment schedules entered for this bank account. This will prevent additional transactions from being returned while you address the issue with your customer. Then contact your customer and resolve any issues that caused the transaction to be disputed or the schedule to be cancelled.

You can ask the customer for a different form of payment, or ask to debit a different bank account.
If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions.

Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect. If this action is taken ,please contact ACHQ.

R11Check Truncation Entry ReturnTo be used when returning a check truncation entry.  This reason for return should be used only if no other return reason code is applicable.  The RDFI should use the appropriate field in the addenda record to specify the reason for return (i.e., “exceeds dollar limit,” “no match on ARP,” “stale date,” etc.)

What to do:

Immediately suspend any recurring payment schedules entered for this bank account. This will prevent additional transactions from being returned while you address the issue with your customer. Then contact your customer and resolve any issues that caused the transaction to be disputed or the schedule to be cancelled.

You can ask the customer for a different form of payment, or ask to debit a different bank account.
If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions.

Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect. If this action is taken, please contact ACHQ.

R12Branch Sold to Another DFIA financial institution may continue to receive entries destined for an account at a branch that has been sold to another financial institution.  Because the RDFI no longer maintains the account and is unable to post the entry, it should return the entry to the ODFI.What to Do:

Obtain new Routing Number and Bank Account Number information, then enter a NEW transaction using the updated account numbers.

 If the transaction was part of a recurring payment schedule, be sure to update the schedule to use the new bank account.

R13RDFI not qualified to participateFinancial institution is not qualified to participate in ACH or the routing number is incorrect.

What to Do:

Double-check that you entered the Routing Number correctly, and contact your customer to confirm it if necessary. Then submit a NEW payment using the correct routing number.

R14Representative Payee Deceased or Unable to Continue in that CapacityThe representative payee is a person or institution authorized to accept entries on behalf of one or more other persons, such as legally incapacitated adults or minor children.  The representative payee is either deceased or unable to continue in that capacity.  The beneficiary is not deceased.
R15Beneficiary or Account Holder (Other Than a Representative Payee) Deceased(1) The beneficiary is the person entitled to the benefits and is deceased.  The beneficiary may or may not be the account holder;

or(2) The account holder (acting in a non-representative payee capacity) is an owner of the account and is deceased.

R16Account FrozenThe funds in the account are unavailable due to specific action taken by the RDFI or by legal action.

What to Do:

Obtain a different form of payment. You will not be able to process transactions using this bank account until it is un-frozen.

R17File Record Edit Criteria (Specify)Some fields that are not edited by the ACH Operator are edited by the RDFI.  If the entry cannot be processed by the RDFI, the field(s) causing the processing error must be identified in the addenda record information field of the return.
R20Non-Transaction AccountThe ACH entry destined for a non-transaction account.  This would include either an account against which transactions are prohibited or limited.

What to Do:

Contact your customer to obtain authorization to charge a different bank account.

Or

Ask for a different form of payment.

R21Invalid Company IdentificationThe identification number used in the Company Identification Field is not valid.  This Return Reason Code will normally be used on CIE transactions.
R22Invalid Individual ID NumberIn CIE and MTE entries, the Individual ID Number is used by the Receiver to identify the account.  The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.
R23Credit Entry Refused by ReceiverThe Receiver may return a credit entry because one of the following conditions exists:  (1) a minimum amount required by the Receiver has not been remitted; (2) the exact amount required has not been remitted; (3) the account is subject to litigation and the Receiver will not accept the transaction; (4) acceptance of the transaction results in an overpayment; (5) the Originator is not known by the Receiver; or (6) the Receiver has not authorized this credit entry to this account.

What to Do:

Contact your customer to work out the problem, or ask them to work the problem out with their bank. Have your customer confirm that the refund will be accepted, then attempt to refund the transaction again.

Alternately, you can send your customer a paper check for the refund  amount.

R24Duplicate EntryThe RDFI has received what appears to be a duplicate entry; i.e., the trace number, date, dollar amount and/or other data matches another transaction.  This code should be used with extreme care.  The RDFI should be aware that if a file has been duplicated, the Originator may have already generated a reversal transaction to handle the situation.

What to Do:

Contact ACHQ

R29Corporate Customer Advises Not AuthorizedThe RDFI has been notified by the Receiver (non-consumer) that the Originator of a given transaction has not been authorized to debit the Receiver’s account.

What to Do:

Immediately suspend any recurring payment schedules entered for this bank account. This will prevent additional transactions from being returned while you address the issue with your customer. Then contact your customer and resolve any issues that caused the transaction to be disputed or the schedule to be cancelled.

You can ask the customer for a different form of payment, or ask to debit a different bank account.
If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions.

Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect. If this action is taken, please contact ACHQ.

R31Permissible Return Entry (CCD and CTX only)The RDFI has been notified by the ODFI that the ODFI agrees to accept a CCD or CTX return entry in accordance with Article Seven, section 7.3 (ODFIAgrees to Accept CCD or CTXReturn).

What to Do:

In some cases, a business bank account holder, or the bank itself, may request a return after that 2-day window has closed. If the ODFI (your bank, or your ACH Processor) agrees to accept a late return, it is processed using the R31 return code.

Or

You can ask for a different form of payment, or ask to debit a different bank account.

R33Return of XCK EntryThe RDFI determines at its sole discretion to return an XCK entry.  This return reason code may only be used to return XCK entries.  An XCK entry may be returned up to sixty days after its Settlement Date.

 Some Less Common return codes include


R34Limited Participation D.F.I.
R35Return of Improper Debit Entry
R36Return of Improper Credit Entry
R37Source Document Presented for Payment (adjustment entries) (A.R.C.)
R38Stop Payment on Source Document (adjustment entries)
R39Improper Source Document
R40Non Participant in E.N.R. Program
R41Invalid Transaction Code (E.N.R. only)
R42Routing Number/Check Digit Error
R43Invalid D.F.I. Account Number
R44Invalid Individual I.D. Number
R45Invalid Individual Name
R46Invalid Representative Payee Indicator
R47Duplicate Enrollment
R50State Law Prohibits Truncated Checks
R51Notice not Provided/Signature not Authentic/Item Altered/Ineligible for Conversion
R52Stop Pay on Item
R53Item and A.C.H. Entry Presented for Payment
R61Misrouted Return
R67Duplicate Return
R68Untimely Return
R69Field Errors
R70Permissible Return Entry Not Accepted
R71Misrouted Dishonor Return
R72Untimely Dishonored Return
R73Timely Original Return
R74Corrected Return
R75Original Return not a Duplicate
R76No Errors Found
R80Cross-Border Payment Coding Error
R81Non-Participant in Cross-Border Program
R82Invalid Foreign Receiving D.F.I. Identification
R83Foreign Receiving D.F.I. Unable to Settle
R84Entry Not Processed by O.G.O.