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When an eCheck transaction or a disbursement is processed in Payrix, this will be sent out as an ACH transaction. In the event that this transaction/disbursement is returned by the receiving bank, the system may trigger an automated hold based on the response received.

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Step 4: Under the revealed Alerts section, you will see the time of the return (Created), the type of decline (Code), and the supporting reason or explanation (Message).

You can view a complete list of Disbursement (ACH) Return Codes below:

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title	Click here to see all Disbursement (ACH) Return Codes.

CODE	CATEGORY	DESCRIPTION	AUTO BLOCK	REMOVABLE BLOCK	ONLY APPLIES TO AFFECTED MERCHANT	APPLIED PLATFORM WIDE
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

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