ACH Return Code R80

ACH Return Code R80 indicates an "IAT Coding Error." This error occurs when there is an issue with the International ACH Transaction (IAT) coding, meaning the transaction fails to meet the required IAT format or criteria. 

The error typically arises from discrepancies in the coding structure used for international transactions, leading to the return of the payment by the receiving financial institution.

What Is an ACH Return Code

In ACH payments, ACH return codes identify and address issues when a transaction fails. These standardized codes provide clear explanations for why an ACH entry was rejected or returned, enabling efficient problem-solving.

Each return code is linked to a specific issue, allowing both the Originating Depository Financial Institution (ODFI) and the Receiving Depository Financial Institution (RDFI) to quickly pinpoint the cause of the problem. Whether it's due to insufficient funds, an invalid account, incorrect banking details, or unauthorized activity, return codes help determine the exact reason for the failure.

NACHA (the National Automated Clearing House Association) governs these codes, setting the rules that banks and financial institutions must follow within the ACH Network. This standardized framework ensures that all parties are aligned, reducing confusion and improving resolution times.

What Is ACH Return Code R80

ACH Return Code R80 refers to an "IAT Coding Error," which occurs when there is an issue with the International ACH Transaction (IAT) coding in a payment. 

This error indicates that the transaction fails to meet the necessary IAT formatting or requirements, typically due to discrepancies in the coding used for international transactions. As a result, the payment is returned by the receiving financial institution.

How to Fix ACH Return Code R80

To fix ACH Return Code R80, review the International ACH Transaction (IAT) details for any discrepancies in the coding. This error often arises due to incorrect or missing information in the IAT format, so verify that all required fields, such as the sender's and receiver's financial institution details, are correctly coded according to NACHA’s standards. Once the IAT coding is properly adjusted, the transaction can be resubmitted.