Directory of ACH Return Codes

7/28/2017 Directory of ACH Return Codes
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Directory of ACH Return Codes

The Return Codes and NACHA Definitions included below are all quoted directly from 2014 NACHA Operating Rules & Guidelines (NACHA-- The
Electronic Payments Association, 2014)
The following ACH Return Codes can be associated with ACH payment processing. This is not a
complete list of ACH Return Codes—those related only to government payments, ATMs, ACH credits,
paper check conversion, or inter-bank communications have been omitted.
R01 Insufficient Funds
NACHA Definition: The available and/or cash reserve balance is not sufficient to
cover the dollar value of the debit entry.
What it Means: There were insufficient funds in your customer’s account to

complete the transaction. You will see this type of ACH Return
displayed in PaySimple with a status of “Returned NSF” and a
Reason Description of “Non Sufficient Funds” or “NSF.”
What to Do: You can try the transaction again (you will need to re-enter it as
a new transaction) up to two times within 30 days of the original
authorization date.
You can also configure your ACH processing account to

automatically re-submit transactions returned for insufficient funds.
(This setting is attached to your ACH Processing Account, and is
not included in your PaySimple system settings.)
If your account was not initially configured for an automatic re-

submit, please contact Customer Care so that we can make the
appropriate adjustment with your ACH processor. Note that if you
configure automatic re-submit, you run the risk of the transaction
being returned again, and incurring a second ACH Return fee.
You can also contact your customer for a different form of

payment, or ask them for a date when the account will contain
funds so that you can manually submit the transaction again.
If you have not yet shipped the goods or provided the services
covered by the payment, you may want to wait to do so until
you have confirmation of a settled payment.
When you re-submit a R01 (NSF) transaction you can only re-
submit for the original transaction amount—you CANNOT add in
https://paysimple.com/paysimple30_help/ps30/a2-ach-return-codes/Directory_of_ACH_Return_Codes.htm 1/13
the ACH Return Fee assessed by your company. If you want to

collect this fee from your customers it must be authorized as a
SEPARATE ACH transaction and you must manually enter this
transaction in PaySimple.
However, you are allowed to include the following statement in

your Terms & Conditions so that when your customers
authorize the initial transaction, they also authorize a second
transaction to collect the ACH Return Fee in the case of a R01
(NSF) transaction.
In the case of an ACH Transaction being rejected for Non Sufficient Funds
(NSF) I understand that {your company name} may at its discretion attempt
to process the charge again within 30 days, and agree to an additional {insert
$} charge for each attempt returned NSF which will be initiated as a separate
transaction from the initial authorized payment.
R02 Account Closed
NACHA Definition: A previously active account has been closed by action of the
customer or the RDFI.
What it Means: The bank account you attempted to charge is closed, and you
cannot re-submit this transaction.
What to Do: Contact your customer for a different bank account, or for
another form of payment.
If you have not yet shipped the goods or provided the services
covered by the payment, you may want to wait to do so until
you have confirmation of a settled payment.
R03 No Account/Unable to Locate Account
NACHA Definition: The account number structure is valid and it passes the check
digit validation, but the account number does not correspond
to the individual identified in the Entry, or the account number
designated is not an existing account.
What it Means: When entering the transaction, the Routing Number, Bank
Account Number, and/or the Customer Name was entered
incorrectly. You cannot re-submit this transaction.
What to Do: Contact your customer and confirm the Routing Number, Bank
Account Number and the exact name on the bank account.
(You may want to ask your customer to fax a copy of a
voided check so that you can double-check these values
yourself.)
If this information does not exactly match what you initially

entered, make changes and submit a NEW payment.
If you did enter everything correctly, please contact PaySimple

Customer Care so that we can further investigate the problem.
R04 Invalid Account Number
NACHA Definition: The account number structure is not valid. The entry may fail
the check digit validation or may contain an incorrect number
of digits.
What it Means: When entering the transaction, the Bank Account Number
entered was definitely wrong. You cannot re-submit this
transaction.
What to Do: Contact your customer and obtain the correct bank account
number. (You may want to ask your customer to fax a copy of
a voided check so that you can double-check the bank account
number yourself.)
Submit a NEW payment using the corrected bank account

number.
R05 Unauthorized Debit to Consumer Account Using Corporate SEC Code
NACHA Definition: A CCD or CTX debit Entry was transmitted to a Consumer

Account of the Receiver and was not authorized by the
Receiver.
What it Means: An ACH Transaction entered as “CCD” was attempted against a

consumer’s personal bank account, and the consumer reported
the transaction to the bank as not authorized.
Ordinarily a “CCD” transaction has a 3-day window in which

the transaction can be disputed, but this code directs the
bank to honor the return if it is entered within 60 days of the
original transaction. This is done because the transaction was
incorrectly coded as “CCD” when entered. “CCD” is used only
when charging a business bank account.
This is an “unauthorized” return code, and will result in your

account being assessed the ACH Chargeback Fee. (See ACH
Chargeback Return Codes.)
You cannot re-submit this transaction. Any additional

transactions you attempt to process against this account will
also be returned unless your customer specifically instructs his
bank to accept them.
What to Do: Contact your customer and resolve any issues that caused the
transaction to be disputed.
You can ask the customer for a different form of payment, or

ask to debit a different bank account.
If you need to debit the same bank account, instruct your

customer to call the bank and remove the block on
transactions your company initiates. Then contact PaySimple
Customer Care and inform them that the block has been
lifted. You will be informed when it is permissible to re-submit
the transaction. When you do, be certain to use the proper
ACH Type for a personal bank account and NOT the “CCD”
type. (See Appendix A: Authorizing Transactions for detailed
information on ACH Types.)
Unfortunately, there is no dispute resolution available to you

within the ACH Network. If your customer continues to claim
the transaction was not authorized, but you have proof that it
was properly authorized, you will need to sue your customer
in Small Claims Court to collect. If you decide to take this
course of action, please contact PaySimple Customer Care to
obtain a copy of the statement your customer submitted to
the bank-- You will need this document to pursue your case.
R06 Returned per ODFI's Request
NACHA Definition: The ODFI has requested that the RDFI return an Erroneous
Entry. If the RDFI agrees to return the entry, the ODFI must
indemnify the RDFI according to Article Two, subsection
2.12.3.
What it Means: The bank that submitted a transaction on your behalf is

asking your customer’s bank to reverse it. This typically
happens if there is a technical problem during processing that
causes transactions to be submitted incorrectly. In rare
instances it can also happen if the bank suspects it is being
used to submit fraudulent transactions. You cannot re-submit
this transaction.
What to Do: Contact PaySimple Customer Care to determine why the bank
asked that the payment be returned.
R07 Authorization Revoked by Customer
NACHA Definition: The RDFI's customer (the Receiver) has revoked the
authorization previously provided to the Originator for this
debit entry. This code and related Operating Rule provisions
apply to Consumer entries only. (Note: This Return Reason
Code may not be used for ARC, BOC, POP, or RCK Entries.)
What it Means: Your customer reported to the bank that the transaction was
not authorized because they revoked your authorization prior
to the transaction date.
Typically you will see this return code when a customer

revokes authorization for a recurring payment schedule, and
you continue to process payments as part of that schedule.

Chargeback Return Codes for more information.)

also be returned unless your customer specifically instructs
his bank to accept them.
What to Do: Immediately suspend any recurring payment schedules

entered for this bank account. This will prevent additional
transactions from being returned while you address the issue
with your customer. Then contact your customer and resolve
any issues that caused the transaction to be disputed or the
schedule to be cancelled.
You can ask the customer for a different form of payment,

or ask to debit a different bank account. Be certain to get
proper authorization from your customer to debit the new
account. (See Authorizing Echeck (ACH) Transactions for
more information on how to do this.)

lifted. You will be informed when it is permissible to re-
submit the transaction.

the transaction was not authorized, but you have proof that
it was properly authorized, you will need to sue your
customer in Small Claims Court to collect. If you decide to
take this course of action, please contact PaySimple
Customer Care to obtain a copy of the statement your
customer submitted to the bank—you will need this document
to pursue your case.
R08 Payment Stopped
NACHA Definition: The Receiver has placed a stop payment order on this Entry.
What it Means: Your customer instructed its bank not to honor a specific
transaction (or transactions) they previously authorized you
to process. This instruction to the bank must be made
BEFORE the transaction is actually processed.
You cannot re-submit this transaction, and your processor

will reject all future transactions against this account until
you provide proof of a new authorization from the customer.
What to Do: Contact your customer and resolve any issues that caused
the transaction to be stopped. To minimize the risk of
additional returned transactions, it is a good idea to make
certain that your customer understands your billing
procedures, and agrees not to stop future payments.
You can re-enter the returned transaction again with proper

authorization from your customer. You can also ask your
customer for a different form of payment.
R09 Uncollected Funds
NACHA Definition: Sufficient book or ledger balance exists to satisfy the dollar
value of the transaction, but the available balance is below the
dollar value of the debit Entry.
What it Means: There were insufficient funds in your customer’s account to

complete the transaction.
What to Do: You can try the transaction again (you will need to re-enter it
as a new transaction) up to two times within 30 days of the
original authorization date.
You can also configure your ACH processing account to

automatically re-submit transactions returned for insufficient
funds. (This setting is attached to your ACH Processing
Account, and is not included in your PaySimple system
settings.)
If your account was not initially configured for an automatic

re-submit, please contact Customer Care so that we can make
the appropriate adjustment with your ACH processor. Note that
if you configure automatic re-submit, you run the risk of the
transaction being returned again, and incurring a second ACH
Return fee.
You can also contact your customer for a different form of

payment, or ask them for a date when the account will
contain funds so that you can manually submit the transaction
again.
If you have not yet shipped the goods or provided the

services covered by the payment, you may want to wait to do
so until you have confirmation of a settled payment
R10 Customer Advises Unauthorized, Improper, Ineligible, or part of an Incomplete

Transaction
NACHA Definition: The RDFI has been notified by the Receiver that the Entry is
unauthorized, improper, ineligible, or pat of an Incomplete
Transaction.
Return Type: Extended Return, with 60 Calendar Day Return

Time frame.
Can only be used for Consumer accounts. May also be used

to return an unauthorized debit Entry to a non-consumer
account if the debit Entry contains a consumer SEC code.
What it Means: Your customer submitted a signed document to the bank

stating that the transaction was not authorized, or that the
transaction was entered for an amount different than the
authorized amount, or was submitted before the authorized
date. (See Authorizing Echeck (ACH) Transactions for more
information about authorization requirements.)

Chargeback Return Codes for more information.)

also be returned unless your customer specifically instructs
his bank to accept them.


with your customer.
Contact your customer and resolve any issues that caused

the transaction to be disputed.
You can ask the customer for a different form of payment,

or ask to debit a different bank account. Be certain to get
proper authorization from your customer to debit the new
account. (See Authorizing Echeck (ACH) Transactions) for

lifted. You will be informed when it is permissible to re-
submit the transaction.

customer in Small Claims Court to collect. If you decide to
take this course of action, please contact PaySimple
Customer Careto obtain a copy of the statement your
customer submitted to the bank-- you will need this
document to pursue your case.
R12 Account Sold to Another DFI
NACHA Definition: A financial institution received an Entry to an account that

was sold to another financial institution.
What it Means: Your customer’s account was sold to another bank but the
Customer Record in PaySimple was not updated with the
new bank information, so the payment you processed was
sent to the old bank and cannot be honored.
What to Do: Contact your customer to obtain new Routing Number and
Bank Account Number information, then enter a NEW
transaction using the updated account numbers.
If the transaction was part of a recurring payment schedule,

be sure to update the schedule to use the new bank
account.
R13 Invalid ACH Routing Number
NACHA Definition: Entry contains a Receiving DFI Identification or Gateway

Identification that is not a valid ACH routing number.
What it Means: The Routing Number entered for the transaction is invalid
and does not belong to any bank in the ACH Network.
What to Do: Your PaySimple system is designed to validate routing

numbers prior to submitting transactions for processing--so
you should never see this reason code.
If you do see the code, double-check that you entered the

Routing Number correctly, and contact your customer to
confirm it if necessary. Then submit a NEW payment using
the correct routing number.
If you have confirmed that the routing number you entered

is correct, contact PaySimple Customer Care so that we can
investigate the problem.
R16 Account Frozen
NACHA Definition: 1) Access to the account is restricted due to specific action

taken by the RDFI or by legal action; or 2) OFAC has
instructed the RDFI or Gateway to return the Entry.
What it Means: The payment cannot be honored because the account has
been frozen and no transactions can be processed against
it.
What to Do: Contact your customer to obtain a different form of

payment. You will not be able to process transactions using
this bank account until it is un-frozen.
There are several common reasons why a bank account

may be frozen, such as a civil legal dispute over an unpaid
debt. However, you may also see this code if OFAC has
frozen the account or the individual payment due to
suspicion of terrorism-related activity. (OFAC stands for the
Office of Foreign Assets Control, which is an agency of the
United States Department of the Treasury under the
auspices of the Under Secretary of the Treasury for
Terrorism and Financial Intelligence.)
This return code should be a red-flag for your business. If

you see this code, be certain to do your due diligence
around verifying the identity of your customer.
R17 File Record Edit Criteria (Specify)
NACHA Definition: Field(s) cannot be processed by RDFI. Some fields that are
not edited by the ACH Operator are edited by the RDFI. If
the entry cannot be processed by the RDFI, the field(s)
causing the processing error must be identified in the
addenda record information field of the Return.
What it Means: Your customer’s bank had a technical problem with the ACH
transaction record submitted for this payment.
What to Do: Contact Customer Care at 800-466-0992 so that they can

R18 Improper Effective Entry Date

NACHA Definition: The effective entry date for a credit entry is more than two
banking days after the banking day of processing as
established by the Originating ACH Operator; or The
effective Entry date for a debit Entry is more than one
Banking Day after the processing date.
What it Means: The date entered in the ACH transaction record is invalid
and the transaction cannot be processed.
What to Do: The PaySimple system is designed to submit scheduled

transactions only on the exact date they are scheduled to
occur, so you should never see this return code.
If you do see this code, please contact Customer Care at

800-466-0992 so that they can investigate further.
R19 Amount Field Error
NACHA Definition: Amount field is non-numeric...Amount field is not zero in a

prenotification, DNE, ENR, Notification of Change, refused
Notification of Change, or zero dollar CCD, CTX, or IAT
Entry....Amount field is zero in an Entry other than a
prenotification, DNE, ENR, Notification of Change, Refused
Notification of Change, Return, Dishonored Return, Contested
Dishonored Return, or zero dollar CCD, CTX, or IAT
Entry....Amount field is greater than $25,000 for ARC, BOC,
and POP entries.
What it Means: The payment was entered for an amount of $0, or a paper-
check conversion (ARC or BOC) was entered for over
$25,000.
What to Do: The PaySimple system is designed to prevent zero dollar

transactions and transactions over $25,000, so you should
never see this error.
If you do see this code for a transaction under $25,000,

please contact Customer Care at 800-466-0992 so that they
can investigate further.
NOTE: You should not be converting paper checks to ACH

transactions in PaySimple. The system does not support the
ACH Transaction types used with paper checks. If you did
process a paper check as an ACH Transaction, your
customer can claim that the payment was not authorized.
R20 Non-Transaction Account
NACHA Definition: ACH Entry to a non-transaction account.
What it Means: The bank account you entered cannot be used for ACH
Payments.
What to Do: Contact your customer to obtain authorization to charge a

different bank account. (Be certain that your customer
confirms the account is enabled for ACH transactions.) Or,
ask for a different form of payment.
R23 Credit Entry Refused by Receiver
NACHA Definition: Any credit Entry that is refused by the Receiver may be
returned by the RDFI.
Examples: (1) a minimum amount required by the Receiver

has not been remitted; (2) the exact amount required has
not been remitted; (3) the account is subject to litigation
and the Receiver will not accept the transaction; (4)
acceptance of the transaction results in a n overpayment;
(5) the Originator is not known by the Receiver; or (6) the
Receiver has not authorized this credit Entry to this account.
What it Means: A credit (refund) you processed has been rejected by your
customer or your customer’s bank.
What to Do: Contact your customer to work out the problem, or ask
them to work the problem out with their bank. Have your
customer confirm that the refund will be accepted, then
attempt to refund the transaction again.
Alternately, you can send your customer a paper check for

the refund amount.
R24 Duplicate Entry
NACHA Definition: The RDFI has received what appears to be a duplicate Entry;
i.e., the trace number, date, dollar amount and/or other data
matches another transaction. The RDFI should use this code
with extreme care and should be aware that if a file has
been duplicated, the Originator may have already generated
a reversal transaction to handle the situation.
What it Means: There was a technical error that caused your transaction to
be transmitted twice, or your customer’s bank thinks that
such an error occurred.
What to Do: Contact Customer Care at 800-466-0992 so they can

R26 Mandatory Field Error
NACHA Definition: Erroneous data or missing data in a mandatory field.
What it Means: For a TEL or WEB ACH Transaction, the name of the account
holder was not provided. For a CCD Transaction, the name of
the Company was not provided.
What to Do: The PaySimple system is designed to prevent you from

submitting transactions with these fields missing. If you see
this error, there was likely a technical problem. Please
contact Customer Care at 800-466-0992 so that they can
investigate further.
R28 Routing Number Check Digit Error
NACHA Definition: The Check digit for a Routing Number is not valid.
What it Means: The bank routing number is invalid.
What to Do: The PaySimple system is designed to prevent you from

submitting transactions with invalid routing numbers, but in
rare cases you may see this error. Double check the routing
number entered, and if necessary confirm it with your
customer. (You may want to ask your customer to fax a
copy of a voided check so that you can double-check the
value yourself.)
If you’ve corrected a data entry error, you can enter the

payment again as a NEW transaction.
If you’ve confirmed the routing number was entered correctly

on the original transaction, please contact Customer Care at
800-466-0992 so that they can investigate further.
R29 Corporate Customer Advises Not Authorized
NACHA Definition: The RDFI has been notified by the Receiver (non-consumer)
that a specific Entry has not been authorized by the
Receiver.
What it Means: The company you attempted to debit has notified the bank
that the transaction was not authorized. Or, you attempted to
debit a business bank account that is not enabled for ACH
transactions.

account being assessed the ACH Chargeback Fee. See ACH
Chargeback Return Codes for more information.

also be returned unless your business customer specifically
instructs his bank to enable the account for ACH
transactions.

with your customer.
Contact your customer and resolve any issues that caused

them to claim the transaction was unauthorized, then have
your customer call the bank and remove the block on
transactions your company initiates. Or, if the problem is
account configuration, ask your customer to have the
business bank account enabled for ACH transactions. Then
contact PaySimple Customer Care and inform them that the
block has been lifted. You will be informed when it is
permissible to re-submit the transaction.
NOTE: In some cases the bank will unilaterally use this code
to return a CCD payment, without your customer’s knowledge
or consent, if the business bank account is not configured to
accept ACH transactions.
Alternately, you can ask the customer for a different form of

payment, or ask to debit a different bank account. Be certain

to get proper authorization from your customer to debit the
new account. (See Authorizing Echeck (ACH) Transactions for

customer in Small Claims Court to collect.
R31 Permissible Return Entry (CCD and CTX only)
NACHA Definition: The RDFI may return a CCD or CTX Entry that the ODFI
agrees to accept.
What it Means: By ACH Rules, there is a two banking-day window in which

CCD transactions may be returned for any permissible
reason.
In some cases, a business bank account holder, or the bank

itself, may request a return after that 2-day window has
closed. If the ODFI (your bank, or your ACH Processor)
agrees to accept a late return, it is processed using the R31
return code.
What to Do: Contact Customer Care at 800-466-0992 so that we can help

determine why the late return was honored.
Alternately, you can ask the customer for a different form of

payment, or ask to debit a different bank account. Be certain
to get proper authorization from your customer to debit the
new account. (See Authorizing Echeck (ACH) Transactions for
R32 RDFI Non-Settlement
NACHA Definition: The RDFI is not able to settle the entry
What it Means: Your customer’s bank rejected the transaction.
What to Do: Have your customer contact the bank to find out what
caused the problem.
When the problem is remedied you can re-submit the

payment as a NEW ACH transaction. You can also ask your
customer for authorization to charge a different bank
account, or ask for an alternate form of payment.
R34 Limited Participation DFI
NACHA Definition: The RDFI's participation has been limited by a federal or

state supervisor.
What it Means: Your customer’s bank is not able to process the ACH
payment you initiated.
What to Do: Ask your customer for authorization to charge a different

bank account, or ask for an alternate form of payment.
R37 Source Document Presented for Payment
NACHA Definition: The source document to which an ARC, BOC, or POP entry
relates has been presented for payment.
What it Means: A paper check was converted to an ACH transaction, and

was also submitted in paper form to the bank for standard
processing-- thus the same payment was processed twice.
You will see this error if your customer notifies the bank
that a check they wrote was converted to ACH in addition to
being processed normally. Additionally, the bank can identify
the duplication and assign this code without notifying your
customer first. The bank will then “return” the ACH
transaction and refund the customer's account, or will simply
not process the duplicate transaction.
What to Do: Check your records to determine if you accidentally entered

an ACH transaction for a paper check that you also took the
to the bank. If you did, then this “return” remedied the
error, and you don’t need to take any further action.
If you’re sure you did not take the check to the bank (for
example, you still have the original in your files), contact
your customer to resolve the mistake--keeping in mind that
the bank may have issued the return without the customer’s
knowledge.
NOTE: As of March 2010, this code will be counted as an
unauthorized “chargeback.” However, you should not be
converting paper checks to ACH transactions in PaySimple.
The system does not support the ACH Transaction types used
with paper checks. If you did process a paper check as an
ACH Transaction, your customer can claim that the payment
was not authorized. Contact PaySimple Customer Care for
assistance with this transaction.

Directory of ACH Return Codes

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7/28/2017 Directory of ACH Return Codes

Directory of ACH Return Codes

R01 Insufficient Funds

What it Means: There were insufficient funds in your customer’s account to

You can also configure your ACH processing account to

If your account was not initially configured for an automatic re-

You can also contact your customer for a different form of

the ACH Return Fee assessed by your company. If you want to

However, you are allowed to include the following statement in

R02 Account Closed

R03 No Account/Unable to Locate Account

If this information does not exactly match what you initially

If you did enter everything correctly, please contact PaySimple

R04 Invalid Account Number

Submit a NEW payment using the corrected bank account

R05 Unauthorized Debit to Consumer Account Using Corporate SEC Code

NACHA Definition: A CCD or CTX debit Entry was transmitted to a Consumer

What it Means: An ACH Transaction entered as “CCD” was attempted against a

Ordinarily a “CCD” transaction has a 3-day window in which

This is an “unauthorized” return code, and will result in your

You cannot re-submit this transaction. Any additional

You can ask the customer for a different form of payment, or

If you need to debit the same bank account, instruct your

information on ACH Types.)

Unfortunately, there is no dispute resolution available to you

R06 Returned per ODFI's Request

What it Means: The bank that submitted a transaction on your behalf is

R07 Authorization Revoked by Customer

Typically you will see this return code when a customer

This is an “unauthorized” return code, and will result in your

You cannot re-submit this transaction. Any additional

What to Do: Immediately suspend any recurring payment schedules

You can ask the customer for a different form of payment,

If you need to debit the same bank account, instruct your

Unfortunately, there is no dispute resolution available to you

R08 Payment Stopped

You cannot re-submit this transaction, and your processor

You can re-enter the returned transaction again with proper

R09 Uncollected Funds

What it Means: There were insufficient funds in your customer’s account to

original authorization date.

You can also configure your ACH processing account to

If your account was not initially configured for an automatic

You can also contact your customer for a different form of

If you have not yet shipped the goods or provided the

R10 Customer Advises Unauthorized, Improper, Ineligible, or part of an Incomplete

Return Type: Extended Return, with 60 Calendar Day Return

Can only be used for Consumer accounts. May also be used

What it Means: Your customer submitted a signed document to the bank

This is an “unauthorized” return code, and will result in your

You cannot re-submit this transaction. Any additional

What to Do: Immediately suspend any recurring payment schedules

transactions from being returned while you address the issue

Contact your customer and resolve any issues that caused

You can ask the customer for a different form of payment,

If you need to debit the same bank account, instruct your

Unfortunately, there is no dispute resolution available to you

R12 Account Sold to Another DFI

NACHA Definition: A financial institution received an Entry to an account that

If the transaction was part of a recurring payment schedule,

R13 Invalid ACH Routing Number

NACHA Definition: Entry contains a Receiving DFI Identification or Gateway

What to Do: Your PaySimple system is designed to validate routing

If you do see the code, double-check that you entered the