ACH Return Code R85

ACH Return Code R85 refers to an "Incorrectly Coded Outbound International Payment." This code is used when an international payment is incorrectly coded, causing the transaction to fail. 

It typically occurs when the payment does not meet the required format or coding standards for outbound international transactions.

What Is an ACH Return Code

In ACH payments, ACH return codes are used to explain the reasons behind failed or returned ACH transactions. When a payment cannot be processed, a specific return code is assigned to indicate the underlying issue, such as incorrect account information, insufficient funds, or unauthorized transactions.

These codes are crucial for both the Originating and Receiving Depository Financial Institutions (ODFI and RDFI), enabling them to quickly identify and address the problem.

Overseen by NACHA, these standardized codes help maintain clarity and consistency across the ACH network. This system makes it easier for businesses, banks, and customers to pinpoint issues and resolve payment problems efficiently.

What Is ACH Return Code R85

ACH Return Code R85 indicates an "Incorrectly Coded Outbound International Payment." This code is used when an outbound international payment is processed with incorrect coding, causing the transaction to be rejected. 

The issue often arises when the payment does not conform to the required coding standards for international transactions.

How to Fix ACH Return Code R85

To fix ACH Return Code R85, first review the payment details and verify that the coding for the outbound international payment is correct. This may involve checking the payment's format, ensuring the transaction complies with international ACH standards, and confirming that all relevant fields are properly filled out. If errors are found, correct the coding issues and resubmit the payment.