Transaction Returns

Settled transactions may be reversed by a Consumer’s bank due to exceptional circumstances, such as a chargeback. When a Consumer’s bank returns a settled payment, Mazooma sends a notification to the Merchant’s event notification URL.

For more information about receiving and handling return notifications, see Return notifications.

ACH return codes

Transactions that are returned by the Consumer’s bank include an ACH return code based on the reason for the return. Return codes commonly used by US financial institutions are described in the following table.

Code Reason Description
R01 Insufficient funds The available balance is not sufficient to cover the debit transaction.
R02 Account closed A previously open account is now closed.
R03 No account or unable to locate the account The account number does not correspond to the individual identified in the entry or the account number designated is not an open account.
R04 Invalid account number The account number fails the check digit validation or the account number structure is not valid.
R05 Unauthorized debit to consumer account A debit entry was transmitted to a consumer account and the consumer had not authorized the entry.
R06 Return requested by ODFI (Originating Depository Financial Institution) The ODFI has requested that the RDFI (Receiving Depository Financial Institution) return the ACH entry.
R07 Authorization revoked by consumer A consumer, who previously authorized an entry, has revoked the authorization.
R08 Stop payment A consumer has requested a stop payment of the entry.
R09 Uncollected funds The available balance is sufficient but there transactions in the process of collection, bringing the available balance down.
R10 Customer advises not authorized Consumer advises not authorized, notice not provided, improper source document, or amount not accurately obtained from source document.
R11 Customer advises entry not in accordance with terms of the authorization The details of the transaction do not match those approved by the customer.
R12 Branch sold to another DFI RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution.
R13 RDFI not qualified to participate or invalid routing number Financial institution does not receive commercial ACH entries or the routing number is incorrect.
R14 Representative payee deceased or unable to continue in that capacity The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue in that capacity. Beneficiary is not deceased.
R15 Beneficiary or account holder deceased The beneficiary entitled to payments is deceased or the bank account holder, other than a representative payee, is deceased.
R16 Account frozen Access to account is restricted due to a specific action taken by the RDFI or by legal action.
R17 File record edit criteria Fields rejected by RDFI processing (identified in return addenda).
R18 Improper effective entry date Entries have been presented prior to the first available processing window for the effective date.
R19 Amount field error Improper amount field formatting.
R20 Non transaction account (If general ledger) Policies or regulations (such as Regulation D) prohibit or limit activity to the account indicated.
R21 Invalid company identification The company ID information not valid. Normally CIE (Customer Initiated Entry) entries.
R22 Invalid individual ID number Individual ID used by receiver is incorrect (CIE entries).
R23 Credit entry refused by receiver Receiver returned entry because minimum or exact amount not remitted, bank account is subject to litigation, or payment represents an overpayment, originator is not known to receiver or receiver has not authorized this credit entry to this bank account.
R24 Duplicate entry The RDFI has received a duplicate entry.
R25 Addenda error Improper formatting of the addenda record information.
R26 Mandatory field error Improper information in a mandatory field.
R27 Trace number error The original entry trace number is not valid for return entry or addenda trace numbers do not correspond with entry detail record.
R28 Routing number or check digit error The check digit for transit routing number is incorrect.
R29 Corporate customer advises not authorized The RDFI has been notified by business account holder that a specific transaction is unauthorized.
R30 RDFI not participant in check truncation program Financial institution not participating in automated check safekeeping application.
R31 Permissable return entry The RDFI has been notified by business account holder that a specific transaction is unauthorized.
R32 RDFI non-settlement The RDFI isn’t able to settle the entry.
R33 Return of XCK (destroyed check) entry The RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the sixtieth day following the settlement date of the XCK entry.
R34 Limited participation DFI The RDFI participation has been limited by a federal or state supervisor.
R35 Return of improper debit entry ACH debit not permitted for use with the CIE standard entry class code (except for reversals).
R36 Return of improper credit entry ACH credit not permited for use with the CIE standard entry class code (except for reversals).
R37 Source document presented for payment Check used for an ARC (accounts receivable conversion), BOC (back office conversion), or POP (point of purchase) entry has also been presented for payment.
R38 Stop payment on source document A stop payment has been placed on a check used for an ARC entry.
R40 ENR - Return of ENR (automated enrollment) entry by federal government agency Non-participant in ENR program.
R41 ENR - Invalid transaction code Either the transaction code included in field 3 of the addenda record is not valid or it is not appropriate with regard to an automated enrollment entry.
R42 ENR - Routing number or check digit error The routing number or the check digit included in field 3 of the addenda record is not valid.
R43 ENR - Invalid DFI account number The consumer’s account number in field 3 of the addenda record must include at least one alphanumeric character.
R44 ENR - Invalid individual ID number The individual ID number in field 3 of the addenda record doesn’t match a corresponding ID in federal government records.
R45 ENR - Invalid individual name / company name The name of the consumer in field 3 of the addenda record doesn’t match a corresponding name in the federal government agency records.
R46 ENR - Invalid representative payee indicator The representative payee indicator code in field 3 of the addenda record is missing or invalid.
R47 ENR - Duplicate enrollment The entry is a duplicate of an automated enrollment entry already initiated.
R50 RCK - State law prohibits truncated checks requires canceled checks to be returned in the consumer statement. The ODFI is in a state that hasn’t accepted the Uniform Commercial Code or requires cancelled checks to be returned in the consumer statement.
R51 RCK - Item is ineligible The item is ineligible, notice not provided, signatures not genuine, item altered, or amount of RCK entry not accurately obtained from the item.
R52 RCK - Stop payment on item The RDFI has determined that a stop payment has been placed on the item.
R53 Item and ACH entry presented for payment The item to which the ACH entry relates has also been presented for payment.
R61 ODFI - Misrouted return The RDFI of the original entry has entered the incorrect routing number.
R62 ODFI - Incorrect trace number The trace number in the addenda record doesn’t match the trace number of the original entry.
R63 ODFI - Incorrect dollar amount The dollar amount in the return is different from the dollar amount in the original entry.
R64 ODFI - Incorrect individual identification The individual ID number in the return is different from the individual ID number in the original entry.
R65 ODFI - Incorrect transaction code The transaction code in the return is not the return equivalent of the transaction code in the original entry.
R66 ODFI - Incorrect company identification The company ID number in the company/batch header of the return is different from the ID number used in the original entry.
R67 ODFI - Duplicate return The ODFI has received more than one return for the same entry.
R68 ODFI - Untimely return The return wasn’t sent within the required time frame.
R69 ODFI - Multiple errors Two or more fields are incorrect.
R70 ODFI - Permission return entry not accepted The ODFI has not agreed to accept the entry or the return entry.
R71 Contested - misrouted dishonored return The ODFI misrouted the dishonored return entry to the wrong RDFI using an incorrect routing number.
R72 Contested - untimely dishonored return The ODFI didn’t submit the dishonored return entry within the five day deadline.
R73 Contested - timely original return The RDFI certifies that the original return entry was submitted by the applicable deadline.
R74 Contested - corrected return The RDFI is correcting a previous return entry that was dishonored using return code R69 because it contained incomplete or incorrect information.
R80 Cross-border payment coding error The entry contains invalid cross-border payment codes.
R81 Non-participant in cross-border program The OGO (Originating Gateway Operator) doesn’t have an agreement with the ODFI to process cross-border entries.
R82 Invalid foreign RDFI ID The reference used to identify the foreign receiving DFI of an outbound cross-border entry is invalid.
R83 Foreign RDFI unable to settle The cross-border entry is being returned due to settlement problems in the foreign payment system.
R84 Entry non processed by OGO (for cross border programs) The entry has not been processed and is being returned at the discretion of the OGO.
REJ Refused by processing bank The entry has been refused by the processing bank.