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.

How to find Disbursement Reject and Return Codes

Step 1: Dashboard → Merchants

Step 2: Click on the desired Merchant to be taken to the Merchant Overview Page

Step 3: Click on Withdrawals tab from the Account Overview sub-menu on the bottom left of the Merchant Overview page.

Step 4: Click on a returned transaction from the Withdrawal Returns or Withdrawal History sections.

Step 5: Under the Alerts section, you will see message and an ACH Return code under the Message column.

See the list of ACH Return Codes below.

Disbursement Return Codes

EXPAND

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

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. 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.
- Note: Merchant will need to contact their issuing bank and have their bank Funding IDs whitelisted and advise Payrix is able to allowed to debit/credit.
  
  If after the utilizing the whilelisting process above, another reject occurs, a letter from the merchant’s issuing bank needs to be provided in a Support Ticket indicating that the bank has whitelisted the funding ID in order to lift the block on the account.

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:

a request to their bank whitelisting the (below) funding IDs and;
a request for a letter from their bank to Support stating Payrix is allowed 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.

Worldpay Funding IDs

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

1310281170 (Fifth Third Bank-Direct)
1043575881

Disbursement Rejects & Returns (Payout Rejects)

How to find Disbursement Reject and Return Codes

Disbursement Return Codes

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