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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.

Note
Due to NACHA regulations, Payrix Support is unable to lift blocks without bank letter consent for both debits and credits if your first attempt to whitelist is unsuccessful.

How to find Disbursement Reject and Return Codes

Step 1: Dashboard → MerchantsNavigate to the Merchants page.

Step 2: Click on the desired Merchant to be taken to the Merchant Overview Page and access their Merchant Profile page.

Step 3: Click on the Withdrawals tab from the Account Overview sub-menu on the bottom left of the Merchant Overview . Then, click on a listed disbursement with a status of RETURNED to view its Withdrawal Details page.

Step 4: Click on a returned transaction from the Withdrawal Returns or Withdrawal History sections. Step 5: Under the revealed Alerts section, you will see message and an ACH Return code under the Message column. See the 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

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CODE	CATEGORY	DESCRIPTION	AUTO BLOCK	REMOVABLE BLOCK	ONLY APPLIES TO AFFECTED MERCHANT	APPLIED PLATFORM WIDE
R01	`NSF`	Insufficient funds in account	NO	YES
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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For Bank Accounts Placed on Hold As A Result of a Return

Please review the the following categories for next steps.

The returns are separated into three categories: NSF, BAD ACCOUNT, and UNAUTHORIZED.

Once each Action Steps section is completed, submit a Support Ticket for the hold to be lifted with the bank letter attached.

A separate action is taken per category:

Return Category	Description	Action Steps
`NSF`

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	The system will not place a hold. Future transactions are permitted.	N/A
`BAD ACCOUNT`

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A block is placed on the account.

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UNAUTHORIZED: A block is placed on the account.

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Note
Due to NACHA regulations, Payrix Support is unable to lift blocks without bank letter consent for both debits and credits.

If the reject falls under BAD ACCOUNT and UNAUTHORIZED, the merchant will need to provide:

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a request to their bank whitelisting the (below) funding IDs and;

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Note

Due to this reject category type, the block can’t be removed.

If there is an exception the block will take up to an additional 2 business days to lift outside the initial Support Ticket submission

Info

A bad account reject will typically happen because the banking information on file is not correct. It is best practice to validate that the correct banking information is on file prior to submitting a ticket. If the banking information is deemed incorrect, changing the bank account to the correct information will be an immediate release of the hold.

Note: All bank changes may trigger an additional risk hold review.

The Merchant will need to provide:

Proof of banking information that matches the banking information on file.
A letter from their issuing bank that validates that the bank account no longer falls under the reject category that we received.

UNAUTHORIZED

A block is placed on this merchants ability to utilize this bank account for debits or credits.

This block can be lifted after Payrix has received proper approvals to debit or credit the bank account

The Merchant will need to:

Request that their issuing bank whitelists WorldPay Funding IDs (shown below).
A request for a letter from their issuing bank to Payrix Support authorizing Payrix to credit and debit the account.

Once this is completed, submit a Support Ticket for the hold to be lifted with the bank letter attached.

Tip

Worldpay Funding IDs

Send the following funding IDs to your bank in order to have whitelist disbursements (ACH payouts Payouts) to your account:

1310281170 (Fifth Third Bank-Direct)
1043575881

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How to find Disbursement Reject and Return Codes

For Bank Accounts Placed on Hold As A Result of a Return