Return Codes
R01 Insufficient Funds (NSF):
The funds were not available for the dollar amount of the transaction.
R02 Account Closed:
The account is no longer open.
R03 No Account/Unable to Locate Account:
The account number is valid, but does not correspond with the customer’s name used. Or the account is not an open account.
R04 Invalid Account Number:
The account number is incorrect.
R06 Returned per ODFI’s Request:
The Originating Bank requested that the Receiving Bank return the transaction.
R07 Authorization Revoked by Customer:
The customer has revoked the authorization previously provided to the Merchant.
R08 Payment Stopped:
A customer has stopped the transaction from debiting their account.
R09 Uncollected Funds:
The dollar amount is shown in the customer’s account, but is not available due to process of collection. (i.e. uncollected checks)
R10 Customer Advises Not Authorized:
The customer has notified their bank that the Merchant was not given authorization to debit her/his account.
R12 Branch Sold to Another DFI:
The customer’s bank no longer maintains the account because it was sold to another bank, therefore they are unable to post any transactions.
R13 RDFI Not Qualified to Participate:
The customer’s bank cannot process ACH transactions.
R14 Representative Payee Deceased or Unable to Continue in that Capacity:
A representative payee is someone or an institution who accepts transactions on behalf of someone else. (i.e. for minor children or for incapacitated adults)
R15 Beneficiary or Account Holder (other than a representative payee) Deceased:
The beneficiary is the person entitled to the benefits. The account holder (not acting as a representative payee) is the person who owns the account.
R16 Account Frozen:
Funds are not available because of actions taken by the RDFI or by legal actions.
R29 Corporate Customer Advises Not Authorized:
The business account has notified their bank that the Merchant was not given authorization to debit their business account.