An ACH sale or verification request will return a validation response from the NACHA-approved third party in the transaction's auth code field. The Authorization Response Codes table below provides details of the ACH auth response codes.
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 and descriptions for reason code 119 declines can be found in the ACH Payment Failure Code 119 article.
Authorization Response Codes
| ACH Auth Response Codes | Description | Definition | Response Accepted? |
|---|---|---|---|
| 1111 | Pass | The account was found to be an open and valid account. | Yes |
| 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 open and valid. | Yes |
| 7777 | Pass AV | Account Verified – The checking account was found to be open and has a positive history. | Yes |
| 8888 | Pass SAV | Savings Account Verified – The savings account was found to be open and has a positive history. | Yes |
| 9999 | Pass NPP | This account was reported with acceptable, positive data found in recent transactions. A 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 U.S. 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 | This account has current negative data. Accept transactions with risk. (Examples: 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 | This account has recent negative data. Accept transactions with risk. (Examples: checking or savings accounts in NSF status, recent returns, or outstanding items.) | Yes |