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  • NSF: The system will not place a hold. Future transactions are permitted.

  • BAD ACCOUNT: A block is placed on the account. The merchant will need to provide a new bank account

  • UNAUTHORIZED: A block is placed on the account. A letter needs to be provided to support indicating that the reason for the return no longer applies.

ACH Return Codes

titleExpandYES
Expand

CODE

CATEGORY

Code

DESCRIPTION

Category
Expand
titleExpand

Description

Auto-Block

Insufficient funds in account

NO

Account is closed

YES

No account on file

YES

Invalid account number

YES

Unauthorized debit to consumer account

YES

Returned at request of ODFI

YES

Authorization revoked by customer

YES

Payment stopped

AUTO BLOCK

R01

NSF

R02

BADACCOUNT

R03

BADACCOUNT

R04

BADACCOUNT

R05

UNAUTHORIZED

R06

UNAUTHORIZED

R07

UNAUTHORIZED

R08

UNAUTHORIZED

R09

NSF

R10

UNAUTHORIZED

R11

BADACCOUNT

R12

BADACCOUNT

R13

BADACCOUNT

R14

UNAUTHORIZED

R15

UNAUTHORIZED

R16

UNAUTHORIZED

R17

BADACCOUNT

R18

GENERAL

R19

GENERAL

R20

UNAUTHORIZED

R21

BADACCOUNT

R22

BADACCOUNT

R23

UNAUTHORIZED

R24

GENERAL

R25

BADACCOUNT

R26

BADACCOUNT

R27

BADACCOUNT

R28

BADACCOUNT

R29

UNAUTHORIZED

R30

GENERAL

R31

UNAUTHORIZED

R32

GENERAL

R33

UNAUTHORIZED

R34

GENERAL

R35

GENERAL

R36

GENERAL

R37

GENERAL

R38

GENERAL

R39

BADACCOUNT

R40

UNAUTHORIZED

R41

BADACCOUNT

R42

BADACCOUNT

R43

BADACCOUNT

R44

BADACCOUNT

R45

BADACCOUNT

R46

BADACCOUNT

R47

BADACCOUNT

R50

GENERAL

R51

UNAUTHORIZED

R52

UNAUTHORIZED

R53

GENERAL

R61

GENERAL

R62

GENERAL

R63

GENERAL

R64

GENERAL

R65

GENERAL

R66

GENERAL

R67

GENERAL

R68

BADACCOUNT

R69

BADACCOUNT

R70

UNAUTHORIZED

R71

BADACCOUNT

R72

GENERAL

R73

GENERAL

R74

GENERAL

R75

GENERAL

R76

GENERAL

R80

BADACCOUNT

R81

GENERAL

R82

BADACCOUNT

R83

BADACCOUNT

R84

GENERAL

R94

GENERAL

R95

GENERAL

R97

GENERAL

R98

GENERAL

R99

GENERAL

ACH Return Descriptions

...

REMOVABLE BLOCK

ONLY APPLIES TO AFFECTED MERCHANT

APPLIED ACROSS ALL OF PAYRIX

R01

NSF

Insufficient funds in account

NO

R02

BADACCOUNT

Account is closed

YES

NO

YES

R03

BADACCOUNT

No account on file

YES

NO

YES

R04

BADACCOUNT

Invalid account number

YES

NO

YES

R05

UNAUTHORIZED

Unauthorized debit to consumer account

YES

YES

YES

R06

UNAUTHORIZED

Returned at request of ODFI

YES

YES

YES

R07

UNAUTHORIZED

Authorization revoked by customer

YES

YES

YES

R08

UNAUTHORIZED

Payment stopped

YES

YES

YES

R09

NSF

Insufficient collected funds in account being charged

NO

R10

UNAUTHORIZED

Customer advises not Authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document

YES

YES

YES

R11

BADACCOUNT

Check truncation return

YES

NO

YES

R12

BADACCOUNT

Account sold to another financial institution

YES

NO

YES

R13

BADACCOUNT

Invalid ACH routing number

YES

NO

YES

R14

UNAUTHORIZED

Representative payee is deceased or cannot continue in that capacity

YES

YES

YES

R15

UNAUTHORIZED

Beneficiary or account holder other than representative payee deceased

YES

YES

YES

R16

UNAUTHORIZED

Account funds have been frozen

YES

YES

YES

R17

BADACCOUNT

Item returned because of invalid data; refer to addenda for information

YES

NO

YES

R18

GENERAL

Improper effective date

NO

R19

YES

GENERAL

Amount error

NO

R20

UNAUTHORIZED

Account does not allow ACH transactions or limit for transactions has been exceeded

YES

YES

YES

R21

BADACCOUNT

Invalid company identification

YES

NO

YES

R22

BADACCOUNT

Invalid individual ID

YES

NO

YES

R23

UNAUTHORIZED

Credit entry refused by receiver

YES

YES

YES

R24

GENERAL

Duplicate entry

NO

R25

BADACCOUNT

Addenda record error

YES

NO

YES

R26

BADACCOUNT

Mandatory field error

YES

NO

YES

R27

BADACCOUNT

Trace number error

YES

NO

YES

R28

BADACCOUNT

Routing/transit number check digit error

YES

NO

YES

R29

UNAUTHORIZED

Corporate customer advised not authorized

YES

YES

YES

R30

GENERAL

RDFI not participant in check truncation program

NO

R31

UNAUTHORIZED

Permissible return entry

YES

YES

YES

R32

GENERAL

RDFI non-settlement

NO

R33

UNAUTHORIZED

Return of item

YES

YES

YES

R34

GENERAL

Limited participation ODFI

NO

R35

GENERAL

Return of improper debit entry

NO

R36

GENERAL

Return of improper credit entry

NO

R37

GENERAL

Source document presented for payment

NO

R38

GENERAL

Stop payment on source document

NO

R39

BADACCOUNT

Improper source document

YES

NO

YES

R40

UNAUTHORIZED

Return of item by government agency

YES

YES

YES

R41

BADACCOUNT

Invalid Transaction Code

YES

NO

YES

R42

BADACCOUNT

Routing/transit number check digit error

YES

NO

YES

R43

BADACCOUNT

Invalid account number

YES

NO

YES

R44

BADACCOUNT

Invalid individual ID

YES

NO

YES

R45

BADACCOUNT

Invalid individual name or company name

YES

NO

YES

R46

BADACCOUNT

Invalid representative payee indicator code

YES

NO

YES

R47

BADACCOUNT

Duplicate enrollment

YES

NO

YES

R50

GENERAL

State law affecting RCK acceptance

NO

R51

UNAUTHORIZED

Item is ineligible, notice not provided, signature not genuine, or original item altered for adjustment entry

YES

YES

YES

R52

UNAUTHORIZED

Stop payment on item

YES

YES

YES

R53

GENERAL

Item and ACH entry presented for payment

NO

R61

GENERAL

Misrouted return - RDFI for original entry has placed incorrect routing/transit number

i

in RDFI identification field

NO

R62

GENERAL

Incorrect trace number

NO

R63

GENERAL

Incorrect dollar amount

NO

R64

GENERAL

Incorrect individual identification

NO

R65

GENERAL

Incorrect transaction code

NO

R66

GENERAL

Incorrect company identification

NO

R67

GENERAL

Duplicate return

NO

R68

BADACCOUNT

Untimely return - return was not sent within the established timeframe

YES

NO

YES

R69

BADACCOUNT

Field errors

YES

NO

YES

R70

UNAUTHORIZED

Permissible return entry not accepted

YES

YES

YES

R71

BADACCOUNT

Misrouted dishonored return -incorrect routing/transit number in RDFI identification

file

field

YES

NO

YES

R72

GENERAL

Untimely return - dishonored return was not sent within the established timeframe

NO

R73

GENERAL

Timely original return - RDFI certifies the original return entry was sent within established timeframe for original returns

NO

R74

GENERAL

Corrected return - RDFI is correcting a previous return entry that was dishonored because it contained incomplete or incorrect information

NO

R75

GENERAL

Original return not a duplicate

NO

R76

GENERAL

No errors found

NO

R80

BADACCOUNT

Cross-border payment coding error

YES

NO

YES

R81

GENERAL

Non-participant in cross-border program

NO

R82

BADACCOUNT

Invalid foreign RDFI identification

YES

NO

YES

R83

BADACCOUNT

Foreign RDFI unable to settle

YES

NO

YES

R84

GENERAL

Cross-border entry not processed by originating gateway operator

NO

R94

GENERAL

Administrative return item was processed and resubmitted as a photocopy

NO

R95

GENERAL

Administrative return item was processed and resubmitted as a MICR-Split

NO

R97

GENERAL

Administrative return item was processed and resubmitted with corrected dollar amount

NO

R98

GENERAL

Indicates a return PAC (pre-authorized check); RDFI provides a text reason and indicated a new account number on the PAC itself

NO

R99

GENERAL

Indicates a return PAC (pre-authorized check); RDFI provides a text reason on the PAC

it

NO

...

itself for which there is no equivalent return reason code

NO