CODE | CATEGORY | DESCRIPTION | AUTO BLOCK | 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 | 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 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 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 itself for which there is no equivalent return reason code | NO | | | |