ACH return codes

The code and description explaining the reason for the ACH return on the payin or refund. These values are returned in the API as return_code and return_desc.

ACH Return Codes

CODE	DESCRIPTION	TIME FRAME
R01	Insufficient Funds	2 Banking Days
R02	Account Closed	2 Banking Days
R03	No Bank Account/Unable to Locate Account	2 Banking Days
R04	Invalid Account Number	2 Banking Days
R05	Unauthorized Debit to Consumer Account Using Corporate SEC Code	60 Calendar Days
R06	Returned per ODFI's Request	Undefined
R07	Customer Revoked Authorization	60 Calendar Days
R08	Payment Stopped	2 Banking Days
R09	Uncollected Funds	2 Banking Days
R10	Originator not known and/or not authorized to Debit Receiver’s Account	60 Calendar Days
R11	Check Truncation Entry Return	60 Calendar Days
R12	Branch Sold to Another DFI	2 Banking Days
R13	Invalid ACH Routing Number	2 Banking Days
R14	Representative Payee Deceased or Unable to Continue in That Capacity	2 Banking Days
R15	Beneficiary or Account Holder Deceased	2 Banking Days
R16	Account Frozen	2 Banking Days
R17	File Record Edit Criteria	2 Banking Days
R18	Improper Effective Date	2 Banking Days
R19	Amount Field Error	2 Banking Days
R20	Non-Transaction Account	2 Banking Days
R21	Invalid Company ID	2 Banking Days
R22	Invalid Individual ID	2 Banking Days
R23	Receiver Refused Credit	Undefined
R24	Duplicate Entry	2 Banking Days
R25	Addenda Error	2 Banking Days
R26	Mandatory Field Error	2 Banking Days
R27	Trace Number Error	2 Banking Days
R28	Routing Number Check Digit Error	2 Banking Days
R29	Corporate Customer Advises Not Authorized	2 Banking Days
R30	Receiving DFI Not Participant in Check Truncation Program	2 Banking Days
R31	Permissible Return Entry (CCD and CTX only)	Undefined
R32	RDFI Non-Settlement	2 Banking Days
R33	Return of XCK Entry	60 Calendar Days
R34	Limited Participation DFI	2 Banking Days
R35	Improper Debit Entry	2 Banking Days
R36	Improper Credit Entry	2 Banking Days
R37	Source Document Presented for Payment	60 Calendar Days
R38	Stop Payment on Source Document	60 Calendar Days
R39	Improper Source Document	2 Banking Days
R40	Return of ENR Entry	Undefined
R41	Invalid Transaction Code	Undefined
R42	Routing Number/Check Digit Error	Undefined
R43	Invalid DFI Account Number	Undefined
R44	Invalid Individual ID Number or Identification Number	Undefined
R45	Invalid Individual Name/Company Name	Undefined
R46	Invalid Representative Payee Indicator	Undefined
R47	Duplicate Enrollment	Undefined
R50	State Law Affecting RCK Acceptance	Undefined
R51	Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper	Undefined
R52	Stop Payment on Item Related to RCK Entry	60 Banking Days
R53	Item and RCK Entry Presented for Payment	60 Calendar Days
R61	Misrouted Return	60 Calendar Days
R62	Return of Erroneous or Reversing Debit	5 Banking Days
R67	Duplicate Return	Undefined
R68	Untimely Return	5 Banking Days
R69	Field Error	5 Banking Days
R70	Permissible Return Not Accepted / Not Requested by ODFI	5 Banking Days
R71	Misrouted Dishonored Return	5 Banking Days
R72	Untimely Dishonored Return	5 Banking Days
R73	Timely Original Return	5 Banking Days
R74	Corrected Return	Undefined
R75	Original Return Not a Duplicate	5 Banking Days
R76	No Errors Found	2 Banking Days
R77	Non-Acceptance of R62	2 Banking Days
R80	IAT Coding Error	2 Banking Days
R81	Non-Participant in IAT Program	2 Banking Days
R82	Invalid Foreign Receiving DFI Identification	2 Banking Days
R83	Foreign Receiving DFI Unable to Settle	2 Banking Days
R84	Not Processed by Gateway	Undefined
R85	Incorrectly Coded Outbound International Payment	2 Banking Days