Automated clearing house returnreject codes r34 r84. How to add or terminate a building or change a bank account. Ach return codes and explanations for r01 r33 returns. Original return entry was returned within the time limits per ach rules.
Paya ach nacha return codes guide 5 r31 permissible return entry ccd and ctx only the rdfi has been notified by the odfi that the odfi agrees to accept a ccd or ctx return entry in accordance with article seven, section 7. If the odfi your bank, or your ach processor agrees to accept a late return, it is processed using the r31 return code. Although an improper return reason code is a violation of the rules. The dishonored return entry was misrouted or was untimely. An ach payment can be returned for a lot of reasons. If youre not processing ach echeck payments through achq today, please contact our sales department for more information. If you are an achq merchant and require more information on an ach return please contact our support team. Ach payment processing codes associated with ach return.
In some cases, ach codes are reserved for use by government andor receiving depository financial institution rfdi organizations. When will a payment debit from a residents account. In some instances, odfis have established a business practice to dishonor, using return reason code r69, returns that bear an improper return reason code for example, a tel entry bearing return reason code r07. Proper use of reason return code r69 field errors nacha.
Automated clearing house return reject codes r34 r84. The odfi has requested that the rdfi return the ach entry. If your company does any kind of echeck ach processing youll want to get familiar with at least a couple of these return codes from nacha. Insufficient funds available balance is not sufficient to cover the dollar value of. The below nacha processing code is a living document which is amended and updated as ach returns regulations change. Original return entry was complete and contained no errors.
Ach return codes r01 r33 below are ach return codes, reasons, and details. If you are a merchant and require more information on an. Financial institutions can now use r17 to return ach transactions containing an invalid account number. Ach standard return codes high risk merchant account. Beginning next april, institutions can start using r10 and r11 to return unauthorized debits during phase one of implementation. Consumer account was not a business corporate account. Status values starting with the letter r are nacha specification reject and return reason codes that indicate that the consumer portion of the payment has been returned typically a closed bank account, invalid bank account, insufficient funds, or dispute. What is the official nacha return code description. Automated clearing house return codes, reasons, and details. A year later, on april 1, 2021, the repurposed return code would become covered by the existing unauthorized entry fee. This part of the rule will be implemented by the ach operators, and as with the current fee, is billedcredited on their monthly statements of charges. The odfi has requested that the rdfi return the ach entry as an erroneous. The rdfi determines at its sole discretion to return an xck entry.
The ach network has new and expanded return reason codes for you to use. Ach processing code processing return codes nacha ach. Nacha ach return codes and descriptions debtpaypro. R01, insufficient funds available balance is not sufficient to cover the dollar value of the debit entry. You can ask for a different form of payment, or ask to debit a different bank account. Code description definition standard return codes helpjuice. Ach automated clearing house return code reference chart find out the meaning of ach return codes in quickbooks online payroll, quickbooks desktop payroll, and intuit online payroll.