An ACH return is similar to a returned check. It occurs when a client provides their bank information to make a payment, but the payment is subsequently returned by the bank.
Below is the list of error codes that will result in an ACH Return.
Code | Message |
R01 | Insufficient Funds |
R02 | Account Closed |
R03 | No Account/Unable to Locate Account |
R04 | Invalid Account Number |
R05 | Unauthorized debit to consumer account using corporate SEC Code |
R06 | ODFI Requests Return |
R07 | Revoked Authorization |
R08 | Stop Payment or Stop on Source Document |
R09 | Uncollected Funds |
R10 | Advised as Unauthorized |
R11 | Check Safekeeping |
R12 | Account at Other Branch |
R13 | RDFI not qualified to participate |
R14 | Death of Representative Payee |
R15 | Death of Beneficiary or Account Holder |
R16 | Account Frozen |
R17 | File Record Edit Criteria (Specify) |
R18 | Improper Effective Entry Date |
R19 | Amount Field Error |
R20 | Non-Transaction Account |
R21 | Invalid Company ID |
R22 | Invalid Individual ID Number |
R23 | Credit Entry Refused by Receiver |
R24 | Duplicate Entry |
R25 | Addenda Error |
R26 | Mandatory Field Error |
R27 | Trace Number Error |
R28 | Routing Number Check Digit Error |
R29 | Corporate Entry Unauthorized |
R30 | RDFI Not Participant in Program |
R31 | ODFI Permits Late Return |
R32 | RDFI Non-Settlement |
R33 | Return of XCK Entry |
R34 | Limited Participation DFI |
R35 | Return of Improper Debit Entry |
R36 | Return of Improper Credit Entry |
R37 | Source Document Presented for Payment |
R38 | Stop Payment on Source Document |
R39 | Improper Source Document |
R40 | Return of ENR Entry by Federal Government Agency |
R41 | Invalid Transaction Code |
R42 | Routing Number/Check Digit Error |
R43 | Invalid DFI Account Number |
R44 | Invalid Individual ID Number |
R45 | Invalid Individual Name |
R46 | Invalid Representative Payee Indicator |
R47 | Duplicate Enrollment |
R50 | State Law Affecting RCK Acceptance |
R51 | Item is Ineligible; Notice not Provided; Signature Not Genuine; Item Altered; Amount of Entry not Accurately Obtained |
R52 | Stop Payment on Item |
R53 | Item and ACH Entry Presented for Payment |
R61 | Mis-routed Return |
R62 | Incorrect Trace Number |
R63 | Incorrect Dollar Amount |
R64 | Incorrect Individual ID |
R65 | Incorrect Transaction Code |
R66 | Incorrect Company ID |
R67 | Duplicate Return |
R68 | Untimely Return |
R69 | Multiple Errors |
R70 | Permissible Return Not Accepted |
R71 | Mis-routed Dishonored Return |
R72 | Untimely Dishonored Return |
R73 | Timely Original Return |
R74 | Corrected Return |
R75 | Original Return Not a Duplicate |
R76 | No Errors Found |
R80 | Cross Border Coding Error |
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R81 | Non-Participant in Cross Border Program |
R82 | Invalid Foreign Receiving DFI Identification |
R83 | Foreign Receiving DFI Unable to Settle |
R84 | Entry Not Processed by Gateway |
R95 | Merchant profile configuration issue |
R96 | Incorrect merchant setup |
R97 | Unmapped Returns |
R98 | Non Participating Bank |
R99 | Transaction rejected by processor |