ACH Return Code R70

ACH Return Code R70 indicates that a permissible return has not been accepted or was not requested by the Originating Depository Financial Institution (ODFI). This code is used when a return request is made for a transaction, but the ODFI has not authorized or initiated the return, making it an invalid request. 

Understanding this return code helps identify when there is an issue with the processing of ACH payments and ensures proper handling of the transaction.

What Is an ACH Return Code

Return codes in ACH payments are standardized indicators that explain why a transaction failed to process through the ACH network. 

These codes are crucial for both the Originating Depository Financial Institution (ODFI), which initiates the payment, and the Receiving Depository Financial Institution (RDFI), which processes it. They help both parties quickly identify the issue and take necessary corrective actions.

NACHA, the governing body of the ACH network, manages these return codes to ensure consistency and transparency in ACH transactions. Common causes for returns include insufficient funds, invalid or closed accounts, incorrect banking details, or unauthorized transactions.

What Is ACH Return Code R70

ACH Return Code R70, "Permissible Return Not Accepted / Not Requested by ODFI," occurs when a return request is made, but the Originating Depository Financial Institution (ODFI) has neither requested nor accepted the return. 

This code indicates that the ODFI did not authorize or initiate the return, meaning the transaction cannot be processed back to the originator. The ODFI is required to transmit the return within five banking days of the original transaction's settlement date.

How to Fix ACH Return Code R70

To fix ACH Return Code R70, first verify the reason for the return request. Since this code indicates that the ODFI did not authorize or request the return, the first step is to contact the ODFI to ensure that the return was properly initiated. 

If the return was made in error, the ODFI should be informed, and the return process may need to be re-submitted with proper authorization. Also, review the transaction details for any discrepancies or issues that may have led to the invalid return request. 

Ensure accurate information on both the originating and receiving sides of the transaction to prevent further issues with returns in the future.