ACH Return Code R39

ACH Return Code R39 indicates that the source document used to initiate the ACH transaction was not eligible or appropriate for conversion into an electronic payment. This typically happens when a paper check or similar item doesn't meet NACHA requirements for processing. 

Understanding these return codes in ACH payments helps businesses ensure compliance and avoid unnecessary payment delays.

What Is an ACH Return Code

An ACH return code is a standardized message used within the Automated Clearing House (ACH) network to indicate why a particular ACH payment has been returned or failed to process. 

These codes help ensure clear communication between the Originating Depository Financial Institution (ODFI) and the Receiving Depository Financial Institution (RDFI) throughout the electronic transaction process. 

Each return code begins with the letter “R” followed by a two-digit number and corresponds to a specific problem that occurred during the payment process.

What Is ACH Return Code R39

ACH Return Code R39 refers to a transaction that was returned due to an improper source document. This means the original document used to initiate the ACH entry—typically a check—did not meet the required standards for conversion into an electronic payment. 

For example, the check might have been incomplete, altered, or otherwise non-compliant with NACHA guidelines. When this code is issued, it signals that the payment cannot be processed electronically until the source document issue is resolved.

How to Fix ACH Return Code R39

To fix ACH Return Code R39, review the source document that was used to initiate the transaction and ensure it meets all NACHA requirements for electronic conversion. This involves verifying that the check or item is valid, properly completed, and has not been altered or damaged. 

If the document is not acceptable, you may need to obtain a new, compliant source document from the customer. Once the issue is resolved, you can reinitiate the transaction using the correct documentation.