ACH Return Reason Codes
The table below lists the ACH Return Reason codes. These codes are visible in iQ on the Direct Debit (eCheck) Returns Received report, as well as the Transaction Detail screen and the Funding Instruction Detail screen, however they are not returned in cnpAPI response messages.
|
ACH Return Reason Code |
Description |
|
R01 |
Insufficient funds in account |
|
R02 |
Account is closed |
|
R03 |
No account on file |
|
R04 |
Invalid account number |
|
R05 |
Unauthorized debit to consumer account |
|
R06 |
Returned at request of ODFI |
|
R07 |
Authorization revoked by customer |
|
R08 |
Payment stopped |
|
R09 |
Insufficient collected funds in account being charged |
|
R10 |
Customer advises not Authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document |
|
R11 |
Check truncation return |
|
R12 |
Account sold to another financial institution |
|
R13 |
Invalid ACH routing number |
|
R14 |
Representative payee is deceased or cannot continue in that capacity |
|
R15 |
Beneficiary or account holder other than representative payee deceased |
|
R16 |
Account funds have been frozen |
|
R17 |
Item returned because of invalid data; refer to addenda fro information |
|
R18 |
Improper effective date |
|
R19 |
Amount error |
|
R20 |
Account does not allow ACH transactions or limit for transactions has been exceeded |
|
R21 |
Invalid company identification |
|
R22 |
Invalid individual ID |
|
R23 |
Credit entry refused by receiver |
|
R24 |
Duplicate entry |
|
R25 |
Addenda record error |
|
R26 |
Mandatory field error |
|
R27 |
Trace number error |
|
R28 |
Routing/transit number check digit error |
|
R29 |
Corporate customer advised not authorized |
|
R30 |
RDFI not participant in check truncation program |
|
R31 |
Permissible return entry |
|
R32 |
RDFI non-settlement |
|
R33 |
Return of item |
|
R34 |
Limited participation ODFI |
|
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 item by government agency |
|
R41 |
invalid Transaction Code |
|
R42 |
Routing/transit number check digit error |
|
R43 |
Invalid account number |
|
R44 |
Invalid individual ID |
|
R45 |
Invalid individual name or company name |
|
R46 |
Invalid representative payee indicator code |
|
R47 |
Duplicate enrollment |
|
R50 |
State law affecting RCK acceptance |
|
R51 |
Item is ineligible, notice not provided, signature not genuine, or original item altered for adjustment entry |
|
R52 |
Stop payment on item |
|
R53 |
Item and ACH entry presented for payment |
|
R61 |
Misrouted return - RDFI for original entry has placed incorrect routing/transit number in RDFI identification field |
|
R67 |
Duplicate return |
|
R68 |
Untimely return - return was not sent within the established timeframe |
|
R69 |
Field errors |
|
R70 |
Permissible return entry not accepted |
|
R71 |
Misrouted dishonored return -incorrect routing/transit number in RDFI identification field |
|
R72 |
Untimely return - dishonored return was not sent within the established timeframe |
|
R73 |
Timely original return - RDFI certifies the original return entry was sent within established timeframe for original returns |
|
R74 |
Corrected return - RDFI is correcting a previous return entry that was dishonored because it contained incomplete or incorrect information |
|
R75 |
Original return not a duplicate |
|
R76 |
No errors found |
|
R80 |
Cross-border payment coding error |
|
R81 |
Non-participant in cross-border program |
|
R82 |
Invalid foreign RDFI identification |
|
R83 |
Foreign RDFI unable to settle |
|
R84 |
Cross-border entry not processed by originating gateway operator |
|
C96 |
Administrative return dishonor (dollar amount will be zero) |
|
C99 |
Converted to MICR draft (check conversion items) |