To review your ACH Returns, go to Reports and select ACH Returns.
ACH payments are returned for reasons very similar to credit card declines, such as "Insufficient Funds" and "Account Closed", as well as for reasons that mirror credit card disputes, such as "Not Authorized".
ACH Returns do not happen immediately upon payment, as you might expect for credit card declines. Instead, ACH payments on business bank accounts may be returned within 1-2 days of the payment. ACH payments on consumer bank accounts may be returned within 1-60 days of the payment.
Please refer to the ACH Transaction Failure Code 119 article if you see immediate failed or declined ACH payments.
For ease of understanding on our platform, each ACH Return code is assigned one of five possible Return Types. Return Types provide a quick way to understand what caused the ACH Return and how you can address each ACH Return. These Return Types apply to ACH Returns within this platform only. Other platforms may provide different advice on individual ACH Return codes.
You can also view additional details for these codes grouped by ACH Return Type.
| Return Code | Description | Return Type | Return Type Advice |
|---|---|---|---|
| R01 | Insufficient Funds | Insufficient Funds | Confirm with your customer that they have funds in their account, then try a new transaction. |
| R02 | Bank Account Closed | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R03 | No bank account/unable to locate the account | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R04 | Invalid bank account number | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R05 | Improper debit to consumer account; not authorized by receiver | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R06 | Returned per ODFI request | Transaction Error | Error in the transaction setup. Try a new transaction. |
| R07 | Authorization revoked by customer | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R08 | Payment stopped | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R09 | Uncollected funds | Insufficient Funds | Confirm with your customer that they have funds in their account, then try a new transaction. |
| R10 | The customer advises not authorized | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R11 | The customer advises that it is not in accord w/terms of the auth | Transaction Error | Error in the transaction setup. Try a new transaction. |
| R12 | The branch was sold to another RDFI | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R13 | RDFI is not qualified to participate | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R14 | Representative payee deceased or unable to continue in that capacity | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R15 | Beneficiary or bank account holder deceased | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R16 | Bank account frozen | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R17 | File record edit criteria | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R18 | Improper effective entry date | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R19 | Amount field error | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R20 | Non-payment bank account | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R21 | Invalid company ID number | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R22 | Invalid individual ID number | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R23 | Credit entry refused by the receiver | Transaction Error | Error in the transaction setup. Try a new transaction. |
| R24 | Duplicate entry | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R25 | Addenda error | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R26 | Mandatory field error | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R27 | Trace number error | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R28 | Transit routing number check digit error | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R29 | Corporate customer advises not authorized | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R30 | RDFI does not participate in the check truncation program | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R31 | Permissible return entry (CCD and CTX only) | Transaction Error | Error in the transaction setup. Try a new transaction. |
| R32 | RDFI non-settlement (refund only) | Transaction Error | Error in the transaction setup. Try a new transaction. |
| R33 | Return of XCK entry | Internal Error | Something went wrong on the platform, and we are taking care of it for you. |
| R34 | Limited participation RDFI | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |
| R35 | Return of improper debit entry | Invalid Account | Contact your customer for updated account information, then try a new transaction. |
| R51 | RCK Entry is ineligible | Not Authorized | Contact your customer to obtain a new authorization and send it to Support. Support will let you know when to try a new transaction. |