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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.
If a hold is placed on a bank account as a result of a return, you will need to reach out to support to resolve the hold. The returns are separated into three categories: NSF, BAD ACCOUNT, AND UNAUTHORIZED. A separate action is taken per category.
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
Expand
Code | Category |
|---|
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
Expand
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 | YES |
Insufficient collected funds in account being charged | NO |
Customer advises not Authorized, notice not provided, improper source document, or amount | YES |
Check truncation return | YES |
Account sold to another financial institution | YES |
Invalid ACH routing number | YES |
Representative payee is deceased or cannot continue in that capacity | YES |
Beneficiary or account holder other than representative payee deceased | YES |
Account funds have been frozen | YES |
Item returned because of invalid data; refer to addenda for information | YES |
Improper effective date | YES |
Amount error | NO |
Account does not allow ACH transactions or limit for transactions has been exceeded | YES |
Invalid company identification | YES |
Invalid individual ID | YES |
Credit entry refused by receiver | YES |
Duplicate entry | NO |
Addenda record error | YES |
Mandatory field error | YES |
Trace number error | YES |
Routing/transit number check digit error | YES |
Corporate customer advised not authorized | YES |
RDFI not participant in check truncation program | NO |
Permissible return entry | YES |
RDFI non-settlement | NO |
Return of item | YES |
Limited participation ODFI | NO |
Return of improper debit entry | NO |
Return of improper credit entry | NO |
Source document presented for payment | NO |
Stop payment on source document | NO |
Improper source document | YES |
Return of item by government agency | YES |
Invalid Transaction Code | YES |
Routing/transit number check digit error | YES |
Invalid account number | YES |
Invalid individual ID | YES |
Invalid individual name or company name | YES |
Invalid representative payee indicator code | YES |
Duplicate enrollment | YES |
State law affecting RCK acceptance | NO |
Item is ineligible, notice not provided, signature not genuine, or original item altered | YES |
Stop payment on item | YES |
Item and ACH entry presented for payment | NO |
Misrouted return - RDFI for original entry has placed incorrect routing/transit number i | NO |
Incorrect trace number | NO |
Incorrect dollar amount | NO |
Incorrect individual identification | NO |
Incorrect transaction code | NO |
Incorrect company identification | NO |
Duplicate return | NO |
Untimely return - return was not sent within the established timeframe | YES |
Field errors | YES |
Permissible return entry not accepted | YES |
Misrouted dishonored return -incorrect routing/transit number in RDFI identification file | YES |
Untimely return - dishonored return was not sent within the established timeframe | NO |
Timely original return - RDFI certifies the original return entry was sent within established timeframe | NO |
Corrected return - RDFI is correcting a previous return entry that was dishonored | NO |
Original return not a duplicate | NO |
No errors found | NO |
Cross-border payment coding error | YES |
Non-participant in cross-border program | NO |
Invalid foreign RDFI identification | YES |
Foreign RDFI unable to settle | YES |
Cross-border entry not processed by originating gateway operator | NO |
Administrative return item was processed and resubmitted as a photocopy | NO |
Administrative return item was processed and resubmitted as a MICR-Split | NO |
Administrative return item was processed and resubmitted with corrected dollar amount | NO |
Indicates a return PAC (pre-authorized check); RDFI provides a text reason and indicated | NO |
Indicates a return PAC (pre-authorized check); RDFI provides a text reason on the PAC it | NO |
