ACH Return Code R72

ACH Return Code R72 indicates “Untimely Dishonored Return”. In other words, the return of a previously dishonored transaction was submitted too late, violating NACHA’s deadlines. This code helps ensure timely resolution of disputes and proper transaction handling within the ACH network.

What Is an ACH Return Code

ACH return codes in ACH payments are standardized messages that explain why a payment failed to process through the ACH network.

These codes help both the Originating Depository Financial Institution (ODFI) and the Receiving Depository Financial Institution (RDFI) quickly identify issues and take corrective steps.

Governed by NACHA, the organization that oversees the ACH network, return codes promote transparency and consistency. Common return reasons include insufficient funds, closed or invalid accounts, incorrect banking information, or unauthorized transactions.

What Is ACH Return Code R72

ACH Return Code R72 refers to an "Untimely Dishonored Return," meaning a return entry that was dishonored by the RDFI was not sent back within the required timeframe set by NACHA rules. 

This code is used when the ODFI receives a dishonored return too late for it to be processed properly, violating the time limits established for handling such cases. When this code appears, it indicates that the RDFI attempted to reject a return, but did so after the allowable window had passed, making the dishonored return invalid.

How to Fix ACH Return Code R72

To fix ACH Return Code R72, first review the timing of the dishonored return to determine if it was indeed submitted outside the allowed timeframe. If the return was late, the RDFI typically cannot reprocess it, and the ODFI may need to work directly with the RDFI or the customer to resolve the issue. 

In such cases, communication between the financial institutions is essential to find a mutual resolution, which may involve initiating a new transaction or pursuing other recovery options.