ACH Return Code R42

ACH Return Code R42 indicates a "Routing Number/Check Digit Error." This error occurs when the routing number provided in the ACH transaction contains an invalid check digit or is otherwise incorrect. 

The check digit is used to verify the accuracy of the routing number. If it doesn’t match the expected value, the transaction is returned.

What Is an ACH Return Code

An ACH return code is a specific code used to indicate the reason a payment in the Automated Clearing House (ACH) network was returned or rejected. When an ACH payment is initiated, it travels through the ODFI (Originating Depository Financial Institution) and is processed by the RDFI (Receiving Depository Financial Institution). 

If there is an issue with the payment, such as incorrect account information or insufficient funds, the RDFI will return the payment with a corresponding ACH return code. 

These codes, governed by NACHA (National Automated Clearing House Association), help identify the exact reason for the return, ensuring proper communication between financial institutions and facilitating the resolution of errors in ACH payments.

What Is ACH Return Code R42

ACH Return Code R42, known as "Routing Number/Check Digit Error," occurs when the routing number provided in an ACH transaction is incorrect or the check digit is invalid. The check digit is a crucial part of the routing number that helps verify its accuracy. 

When the routing number or check digit doesn't match the expected format or calculation, the transaction is rejected and returned. This error typically arises from a typo or mistake in entering the routing number.

How to Fix ACH Return Code R42

To fix ACH Return Code R42, carefully review the routing number provided in the transaction. Ensure that the routing number is accurate and properly formatted, paying close attention to the check digit, which is critical for verification. 

The check digit is calculated using a specific algorithm, and an incorrect calculation can lead to this error. If the routing number or check digit is found to be wrong, correct it and resubmit the transaction. Also, verify the routing number with the intended bank or financial institution to ensure it's the correct one for the specific account type and transaction.