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ACH Return Code R01 indicates payment failure due to insufficient funds in the payer’s account, helping prevent errors in ACH payments and ensuring secure transactions.

ACH Return Code R02 indicates a transaction failure due to a closed or deactivated account. Act fast, as your bank has 2 days to notify you of this issue.

ACH Return Code R03 means your bank account can’t be found. It’s often due to wrong info. Check details to avoid failed ACH payments.

ACH Return Code R04 means an invalid account number, often due to typos; it helps identify and fix ACH payment issues quickly and efficiently.

ACH Return Code R05 indicates an unauthorized corporate debit to a consumer account; banks can return it within 60 days of the transaction.

ACH Return Code R06 means the ODFI rejected the transaction because it wasn't authorized. This code flags unauthorized or invalid ACH payment entries.

ACH Return Code R07 means a customer revoked authorization for a debit. Businesses must stop debits until new approval is given.

ACH Return Code R08 indicates a stopped payment in ACH transactions, usually by the account holder. Understanding it helps resolve issues within two banking days.

ACH Return Code R09 means uncollected funds due to insufficient balance, causing ACH payment issues for personal and business accounts.

ACH return code R10 signals an unauthorized debit, meaning the originator is unknown or not permitted to withdraw funds, often due to fraud or revoked authorization.

ACH Return Code R11 flags a failed ACH due to check issues. It allows re-submission without new authorization if corrected within 60 days.

ACH Return Code R12 means the payment failed because the account's bank branch was sold to another institution, making the original routing info invalid.

ACH Return Code R13 is triggered when an unrecognized or malformed routing number is used, resulting in the payment being returned within two business days.

ACH Return Code R14 indicates the representative payee has died or can’t continue, making the ACH payment invalid and requiring prompt return.

ACH Return Code R15 means the payment recipient is deceased, requiring the transaction to be returned within two banking days to halt further processing.

ACH Return Code R16 indicates a "Frozen Account," blocking transactions due to legal action or fraud. Stop processing and contact the bank for resolution.

ACH Return Code R17 indicates a questionable transaction flagged for suspicious activity, requiring investigation under NACHA rules.

ACH Return Code R18 indicates a file structure error in the ACH entry, meaning the payment file was unreadable or misformatted, preventing processing.

ACH Return Code R19 occurs when a payment is sent to a non-transactional bank that cannot process ACH entries. It indicates an invalid routing number for ACH payments.

ACH Return Code R20 occurs when a non-transaction account, like a savings account, is used for an ACH payment, as these accounts can't process ACH transactions.

ACH Return Code R21 indicates an invalid Company ID in ACH transactions, causing rejections. It ensures correct identification and compliance in corporate payments.

ACH Return Code R22 means an invalid individual ID number, causing payment issues; fix within 2 days to avoid delays in transactions.

ACH Return Code R23 means a credit entry was refused by the receiver’s bank, often due to unrecognized transactions or account restrictions.

ACH Return Code R24 signals a duplicate entry in an ACH transaction, meaning two identical payments were submitted, often due to system or human error.

ACH Return Code R25 indicates an addenda error in an ACH transaction, meaning the supplemental data is missing, incorrect, or improperly formatted.

ACH Return Code R26 means essential information in the ACH transaction, like account details or identification data, is missing or formatted incorrectly.

ACH Return Code R27 signals a trace number error in an ACH transaction, meaning the unique 15-digit tracking ID is missing, invalid, or incorrectly entered.

ACH Return Code R28 indicates a routing number check digit error, meaning the routing number is invalid due to a missing or incorrect verification digit.

ACH Return Code R29 means a corporate account holder reported an ACH transaction as unauthorized, commonly in business-to-business payments.

ACH Return Code R30 means the receiving bank doesn’t participate in the check truncation program, limiting the processing of electronic payments from paper checks.

ACH Return Code R31 applies to corporate payments (CCD/CTX) and indicates the RDFI may return the transaction, but is not required to, under NACHA rules.

ACH Return Code R32 means the receiving bank couldn’t settle the ACH transaction, often due to financial or operational issues preventing proper processing.

ACH Return Code R33 means the receiving bank can't process a destroyed check (XCK) entry, often due to non-acceptance of such transactions in check conversions.

ACH return code R34 indicates that the RDFI cannot process an ACH entry due to state or federal restrictions. Contact your RDFI for details on transaction limits.

ACH Return Code R35 indicates an improper debit entry on a consumer account that doesn't allow such transactions, like restricted or business accounts.

ACH Return Code R36 indicates an improper credit entry, where a credit transaction is processed incorrectly due to errors like wrong amounts or invalid account details.

ACH Return Code R37 means a paper check was presented after an ACH entry from it was already processed, helping prevent duplicate payments.

ACH Return Code R38 means a stop payment was placed on the original document, often a check, preventing the ACH payment from processing.

ACH Return Code R39 means the source document wasn’t eligible for ACH conversion, usually because it didn’t meet NACHA requirements for electronic processing.

ACH Return Code R40 indicates an invalid ENR entry, used when a government benefit enrollment request is rejected due to incorrect information.

ACH Return Code R41 indicates an invalid transaction code, triggered when the receiving bank cannot process a transaction due to an unrecognized or incorrect code.

ACH Return Code R42 indicates a routing number/check digit error, triggered when the check digit in the routing number is invalid or doesn't match the expected value.

ACH Return Code R43 means the transaction was rejected due to an invalid account number for the DFI, often caused by formatting errors or incorrect data entry.

ACH Return Code R44 indicates an invalid Individual ID Number, usually due to a mismatch with the receiving bank’s records or incorrect data entry.

ACH Return Code R45 indicates an invalid name, returned when the provided name doesn’t match the records of the receiving financial institution.

ACH Return Code R46 means the Representative Payee Indicator is invalid or missing, signaling an issue with identifying who’s authorized to manage the funds.

ACH Return Code R47 means a Duplicate Enrollment was detected; someone tried to enroll the same account or individual more than once for ACH payments.

ACH Return Code R50 indicates a state law issue preventing the acceptance of a Re-presented Check (RCK) entry due to state-level regulations.

ACH Return Code R51 indicates that a Re-presented Check Entry (RCK) is ineligible or improperly formatted, usually due to non-compliance with NACHA rules.

ACH Return Code R52 means a Stop Payment was placed on a check re-submitted as an RCK entry, helping avoid processing errors and unnecessary fees.

ACH Return Code R53 means a check previously returned for insufficient funds was re-presented as an RCK entry but couldn’t be processed again, leading to a return.

ACH Return Code R61 means a return was sent to the wrong bank. It signals that the entry should have gone to a different RDFI and needs to be rerouted correctly.

ACH Return Code R62 indicates an incorrect reversing debit entry. It’s often due to duplicates or errors in correction transactions, ensuring accurate ACH processing.

ACH Return Code R67 occurs when a payment is returned due to being a duplicate of a previous transaction, often caused by system or human error.

ACH Return Code R68 signals a return sent after the allowed NACHA deadline, helping enforce proper timing in ACH processing.

ACH Return Code R69 indicates that a required field in the ACH entry is incorrect or invalid, often due to formatting or data entry errors.

ACH Return Code R70 occurs when a return is attempted but the ODFI has not authorized or initiated it, making the request invalid.

ACH Return Code R71 occurs when a dishonored return is sent to the wrong financial institution due to an incorrect routing number.

ACH Return Code R72 means a dishonored return was submitted after the NACHA deadline. It ensures timely dispute resolution and proper ACH transaction handling.

ACH Return Code R73 indicates that an ACH return was submitted within the allowed time frame, ensuring compliance with NACHA rules for timely processing.

ACH Return Code R74, "Corrected Return," is used when a previously returned ACH transaction is corrected and reprocessed with necessary changes.

ACH Return Code R75 confirms that a returned transaction is not a duplicate of a prior return. It helps clarify that the return is valid in the ACH payment process.

ACH Return Code R76 means no error was found in a disputed ACH transaction. The original entry is confirmed as valid.

ACH Return Code R77 means the receiving bank rejects a debit reinitiated under R62, ensuring ACH transaction integrity.

ACH Return Code R80 indicates an "IAT Coding Error," where the International ACH Transaction (IAT) doesn't meet required coding standards.

ACH Return Code R81 means the bank doesn't participate in the IAT network, causing the international transaction to be rejected.

ACH Return Code R82 means an international payment couldn’t be processed because the foreign bank’s identification number is invalid or not supported.

ACH Return Code R83 indicates a settlement issue with the foreign receiving bank (RDFI) in an international ACH transaction.

ACH Return Code R84 indicates that the payment gateway didn’t process the transaction, often due to a temporary failure or more complex issue.

ACH Return Code R85 signals an "Incorrectly Coded Outbound International Payment." It happens when the payment fails to meet the required coding standards.