ACH Return Code R68

ACH Return Code R68 refers to an Untimely Return, which occurs when a return entry is sent after the allowed return timeframe has passed. According to NACHA rules, all ACH returns must be submitted within specific deadlines depending on the type of transaction. 

If a return is processed too late, it is flagged with code R68. This return code helps maintain the integrity and timing of the ACH network by ensuring participants follow proper return procedures.

What Is an ACH Return Code

In ACH payments, return codes provide a standardized reason for why a transaction failed to process through the Automated Clearing House (ACH) network.

These codes are essential for both the Originating Depository Financial Institution (ODFI), which initiates the transaction, and the Receiving Depository Financial Institution (RDFI), which handles it. They help both parties quickly identify and address the issue behind the failed payment.

Managed by NACHA—the governing body of the ACH network—return codes promote clarity and consistency across all transactions. Common reasons for returns include insufficient funds, closed or invalid accounts, incorrect banking details, or unauthorized transactions.

What Is ACH Return Code R68

ACH Return Code R68 indicates an “Untimely Return,” meaning the return entry was not transmitted within the allowed timeframe. According to NACHA rules, the ODFI (Originating Depository Financial Institution) must transmit the return within five banking days from the settlement date of the original transaction. 

If this deadline is missed, the return is considered untimely and is flagged with code R68. This return code helps maintain compliance within the ACH network and ensures that all parties adhere to standardized timing requirements for processing returns.

How to Fix ACH Return Code R68

To fix ACH Return Code R68, first recognize that the return entry was submitted too late and cannot be processed through the normal return procedures. Since the return window has already passed, the ODFI must work directly with the RDFI to resolve the issue. 

This may involve initiating a reversal, requesting a refund outside the ACH network, or handling the matter through other means of dispute resolution.