An ACH sale or verification request will return a validation response from the NACHA-approved third party in the auth code field of the transaction. Details of the ACH auth response codes are available in the Authorization Response Codes table below.
Some Authorization Response Codes will cause a transaction decline with a reason code (rcode) of 119/ACH payment data is invalid. Additional descriptive information will be appended to each decline. The table below lists which Authorization Response Codes are acceptable and which will cause a transaction decline.
Details of the declines with reason code 119 and their descriptions can be found in the ACH Payment Failure Code 119 article.
Authorization Response Codes
| ACH Auth Response Codes | Description | Definition | Response Accepted? |
|---|---|---|---|
| 2222 | Pass AMEX | AMEX Cheque – The account was found to be an open and valid American Express account. | Yes |
| 3333 | Pass NPP | Non-Participant Provider – This account was reported with acceptable, positive data found in recent or current transactions. | Yes |
| 5555 | Pass SAV | Savings Account Verified – The savings account was found to be an open and valid account. | Yes |
| 7777 | Pass AV | Account Verified – The checking account was found to be open and have a positive history. | Yes |
| 8888 | Pass SAV | Savings Account Verified – The savings account was found to be open and have a positive history. | Yes |
| 9999 | Pass NPP | This account was reported with acceptable, positive data found in recent transactions. Positive history exists for multiple transactions. | Yes |
| GN01 | Negative Data | Negative information was found. | Yes |
| GN05 | Unassigned Routing Number | The routing number supplied is reported as not assigned to a financial institution. | No - Decline |
| GP01 | Private Bad Checks List - Variable | The value for Details will vary depending on the value set for the CheckReject reason in the Private Bad Checks List. | Yes |
| GS01 | Invalid Routing Number | The routing number supplied did not match the format of a valid routing number. | No - Decline |
| GS02 | Invalid Account Number | The account number supplied did not match the format of a valid account number. | No - Decline |
| GS03 | Invalid Check Number | The check number supplied did not match the format of a valid check number. | No - Decline |
| GS04 | Invalid Amount | The amount supplied did not match the format of a valid amount. | No - Decline |
| ND00 | No Data | No positive or negative information has been reported on the account. This could be a small or regional bank that does not report. | Yes |
| ND01 | No Data - US Government Only | No positive or negative information has been reported on the account. This routing number can only be valid for US Government financial institutions. Please verify this item with its issuing authority. | Yes |
| RT00 | No Information Found | The routing number appears to be accurate; however, no positive or negative information has been reported on the account. Please contact the customer to ensure that the correct account information was entered. | yes |
| RT01 | Declined | This account should be returned based on the risk factor being reported. | No - Decline |
| RT02 | Reject Item | This item should be returned based on the risk factor being reported. | Yes |
| RT03 | Accept With Risk | Current negative data exists on this account. Accept transactions with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items). | Yes |
| RT04 | Non-Demand Deposit Account | This is a Non-Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity, or Brokerage Check. | No - Decline |
| RT05 | Accept With Risk | Recent negative data exists on this account. Accept transactions with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items). | Yes |