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Bank-to-Bank
ACH Returns

ACH Returns

ACH payments can sometimes fail due to various issues related to the sender's or recipient's bank account. The table below outlines common ACH return codes, their associated failure messages, and recommended resolutions to help merchants efficiently handle these returns.

NACHA CODEFAILURE CODEFAILURE MESSAGERESOLUTION
R01insufficient_fundsThe account has insufficient funds to complete the transaction.Advise the customer to fund their account or use another payment method.
R02account_closedThe account has been closed.Request the customer to provide new bank account details.
R03no_accountThe account cannot be located based on the provided account number.Verify and re-enter accurate bank account information.
R04account_number_invalidThe account number is invalid.Ask for the correct account details from the customer.
R07authorization_revokedAccount holder revoked the authorization of the payment.Verify the transaction's legitimacy with the customer and ensure proper authorization. Because unauthorized transactions cannot be re-attempted within 60 days, advise the customer to provide a different payment method or wait to collect the payment after the 60-day period.
R08stop_paymentThe account holder has placed a stop payment order on this payment.Discuss with the customer to understand and resolve their concerns or seek an alternative payment arrangement.
R10not_recognizedAccount holder has notified their bank that they do not recognize the entity attempting to debit their account.Verify the transaction's legitimacy with the customer and ensure proper authorization. Because unauthorized transactions cannot be re-attempted within 60 days, advise the customer to provide a different payment method or wait to collect the payment after the 60-day period.
R16account_frozenThe account has been frozen.Advise the customer to contact their bank to resolve the freeze and possibly provide another account.
R20not_permittedTransactions are prohibited or limited against this account.Inform the customer to consult their bank to lift the restriction or use another account.
R26invalid_fieldMandatory fields have either incorrect or missing data.Request that the customer review and correct the fields in question.
R29not_authorizedAccount holder has notified their bank that the payment was not authorized.Verify the transaction's legitimacy with the customer and ensure proper authorization. Because unauthorized transactions cannot be re-attempted within 60 days, advise the customer to provide a different payment method or wait to collect the payment after the 60-day period.

Prevent ACH Returns

  • Verify account information: Ensure that all account details, including routing and account numbers, are accurate and current before initiating payments.
  • Use verification tools: Implement tools, such as Plaid, to confirm the validity of account details. This helps avoid payments to closed or invalid accounts.
  • Monitor funding: Regularly check account balances to confirm sufficient funds are available prior to initiating ACH payments.
  • Strengthen authorization protocols: Secure explicit customer approvals for recurring payments and periodically update these authorizations as needed.

October 2024 Updates

In October 2024, will be updating our failure code mapping for ACH returns to align directly with NACHA’s standardized return codes. The table below defines the failure code, failure message, and next steps.

FAILURE CODEFAILURE MESSAGENEXT STEPS
R01The account has insufficient funds to complete the purchase.Reach out to the account holder to address the issue, and resubmit the payment once funds are available.
R02The account is closed.Obtain new account information and resubmit the payment.
R03The account number or routing information doesn’t match any accounts at the receiving bank.Confirm the payment information and resubmit the payment.
R04The account number provided is incorrect.Correct the account number and resubmit the payment.
R05A corporate Standard Entry Class (SEC) code was incorrectly used for a consumer account.Contact Support for more information.
R06The originating bank returned the payment.Contact Support for more information.
R07The customer revoked the authorization of the payment.Confirm the payment's legitimacy with the customer and receive proper authorization. Because unauthorized transactions cannot be re-attempted within 60 days, advise the customer to provide a different payment method or wait to collect the payment after the 60-day period.
R08The account holder placed a stop payment order on this specific payment.Contact the account holder to resolve the issue.
R09The account may have deposits that have not yet cleared, resulting in insufficient funds for the payment.Resubmit the payment once the funds are collected.
R10The customer stated that the payment was not authorized.Confirm the payment's legitimacy with the customer and receive proper authorization. Because unauthorized transactions cannot be re-attempted within 60 days, advise the customer to provide a different payment method or wait to collect the payment after the 60-day period.
R11A truncation (check-clearing) error occurred.Confirm the payment information and resubmit the payment. If subsequent payments are declined, contact Support for more information.
R12The customer changed banks and the account has been transferred to another receiving bank.Confirm the payment information and resubmit the payment.
R13The ACH routing number is incorrect.Correct the routing number and resubmit the payment.
R14The representative payee is deceased or cannot perform duties.Obtain a new representative payee and update records.
R15The beneficiary or account holder is deceased.Obtain new account information and resubmit the payment.
R16The account is frozen due to legal action or bank policy.Obtain new account information and resubmit the payment.
R17Entries contain invalid formatting or data.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R18Payment was initiated with an incorrect effective entry date.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R19Amount entered in the Amount field is invalid.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R20Policies or regulations prevent ACH payments on this account.Use an alternative bank account or payment method.
R21Company ID information is incorrect or outdated.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R22Individual ID information is incorrect or outdated.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R23The receiving bank refused the credit entry.Contact Support for more information.
R24The same payment was submitted more than once.Confirm whether it’s a true duplicate and proceed accordingly.
R25The addenda record is incorrect or out of sequence.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R26A required field is missing information.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R27Trace numbers submitted are not consistent with the trace numbers in the addenda record.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R28The check digit in the routing number is incorrect.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R29The corporate account holder notified the receiving bank that the payment is not authorized.Confirm the payment's legitimacy with the customer and receive proper authorization. Because unauthorized transactions cannot be re-attempted within 60 days, advise the customer to provide a different payment method or wait to collect the payment after the 60-day period.
R30The receiving bank does not participate in the check truncation program.Use an alternative bank account or payment method.
R31The receiving bank has asked the originating bank if it can return the corporate credit or debit card or Corporate Trade Exchange (CTX) payment format, and the originating bank has agreed.Contact Support for more information.
R32The receiving bank is not able to settle the entry for various reasons.Advise the customer to contact their bank for more information.
R33The receiving bank has returned the entry for a lost, destroyed, or damaged check (XCK entry).Advise the customer to contact their bank for more information.
R34A federal or state regulator has limited the receiving bank’s ability to process ACH payments.Advise the customer to contact their bank for more information.
R35A debit entry has been improperly submitted.Advise the customer to contact their bank for more information.
R36A credit entry has been improperly submitted.Advise the customer to contact their bank for more information.
R37A duplicate payment was attempted by presenting the source document related to an existing ACH payment for processing.Validate whether the payment is a duplicate and proceed accordingly.
R38The receiving account holder requests to stop payment on a check that’s been converted into an electronic payment.Contact the account holder to resolve the issue.
R39The source document related to the ACH payment is incorrect or inadequate.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R40A federal government agency has returned an automated enrollment entry (ENR entry).Contact Support for more information.
R41Transaction code is incorrect.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R42The check digit at the end of the routing number is incorrect.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R43Receiving bank account number is incorrect.Correct the account number and resubmit the payment.
R44Individual identification number provided doesn’t match the ID number on record.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R45Account holder’s name is incorrect or misspelled.Correct the account holder's name and resubmit the payment.
R46Representative payee indicator code is incorrect.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R47The same ENR has been submitted more than once.Validate whether the payment is a duplicate and proceed accordingly.
R50The receiving bank is either in a state that doesn’t allow digital payments or requires canceled checks to be returned.Contact Support for more information.
R51Item related to RCK entry is ineligible or RCK entry is improper.Contact Support for more information.
R52The account holder places a stop order on a bounced check that’s being reprocessed electronically.Contact the account holder to resolve the issue.
R53Both the original payment and its corresponding RCK entry have been submitted, resulting in a duplicate payment.Validate whether the payment is a duplicate and proceed accordingly.
R61A reversed payment has been sent to the incorrect institution.Correct the routing number and resubmit the payment.
R62A debit entry was sent in error or needs to be reversed.No action needed.
R63The dollar amount specified in the payment is wrong.Correct the amount and resubmit the payment.
R64The individual ID number in the return payment doesn’t match the one in the original entry.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R65The transaction code is not correct for the type of payment.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R66The company ID in the payment doesn’t match the ID number in the batch header record.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R67The return entry was already processed, resulting in a duplicate.No action needed.
R68The return was not processed within the required time frame.No action needed.
R69One or more fields contain incorrect information as entered by the originating bank.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R70A valid return entry was not processed as it should have been, or a return was not requested by the originating bank.Contact Support for more information.
R71A dishonored return entry has not been sent to the correct institution.Contact Support for more information.
R72A dishonored return was not processed within the required time frame.Contact Support for more information.
R73The receiving bank is confirming that the original return was processed within the required time frame.No action needed.
R74A previously improperly processed return has since been corrected.No action needed.
R75This is a response to rejection code R67. The receiving bank is contesting an improper dishonor of a return entry by the originating bank.No action needed.
R76This is a response to rejection code R69, in which the originating bank indicated field errors.No action needed.
R77This is a response to rejection code R62, indicating that the receiving bank has either already returned the incorrect payment and the reversal, or it cannot recover the funds from the recipient as specified by R62.Contact Support for more information.
R80Coding errors exist in the IAT entry.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R81The receiving bank doesn’t participate in the IAT program.Use an alternative bank account or payment method.
R82The foreign receiving bank’s identification is incorrect.Confirm the payment information and resubmit the payment. If subsequent payments are returned, contact Support for more information.
R83The foreign receiving bank cannot complete the payment.Contact Support for more information.
R84The entry hasn’t been processed by the designated gateway.Contact Support for more information.
R85An outbound international payment has been incorrectly coded.Contact Support for more information.