NACHA Returns

Introduction

Echeck data is formatted in a specific way that was set by the National Automated Clearing House Association (NACHA). NACHA's standards contain specific codes for returned payments, called "R-Codes" for short. To help make your automatic payment process as easy as possible, LoanPro lets you choose an action that the system should take depending on the R-Code.

How to Update Actions

To update the action for any of the return codes, navigate to Settings > Company > Merchant > NACHA Returns inside your company account.

Click the edit icon to the right of the code for which you want to change the action.

There are three different actions you can choose between:

  1. None – No action will be taken for this return code.
  2. Cancel any AutoPay(s) using payment profile that failed – When the return code is received, the system will automatically cancel any scheduled AutoPays from that same payment profile.
  3. Inactivate payment profile that failed – The payment profile that receives this return code will be automatically inactivated.
Select the action that should be assigned for the code. Click  to save the changes.

Return Codes

Look at the table below for a list of all available return codes.

Code

Description

R01

Insufficient funds

R02

Bank account closed

R03

No bank account/unable to locate account

R04

Invalid bank account number

R05

Improper Debit to Consumer Account

R06

Returned per Originating Depository Financial Institution (ODFI) request

R07

Authorization revoked by customer

R08

Payment stopped

R09

Uncollected funds

R10

Customer advises not authorized

R11

Check truncation entry return

R12

Branch sold to another RDFI

R13

RDFI not qualified to participate

R14

Representative payee deceased or unable to continue in that capacity

R15

Beneficiary or bank account holder

R16

Bank account frozen

R17

File record edit criteria

R18

Improper effective entry date

R19

Amount field error

R20

Non-payment bank account

R21

Invalid company ID number

R22

Invalid individual ID number

R23

Credit entry refused by receiver

R24

Duplicate entry

R25

Addenda error

R26

Mandatory field error

R27

Trace number error

R28

Transit routing number check digit error

R29

Corporate customer advises not authorized

R30

RDFI not participant in check truncation program

R31

Permissible return entry (CCD and CTX only)

R32

RDFI non-settlement

R33

Return of XCK entry

R34

Limited participation RDFI

R35

Return of improper debit entry None

R36

Return of Improper Credit Entry (RCK) NACHA

R37

Source Document Presented for Payment NACHA

R38

Stop payment source document

R39

Improper Source Document / Source Document Presented for Payment

R40

Return of ENR Entry by Federal Government Agency (ENR only) NACHA

R41

Invalid Transaction Code (ENR only) NACHA

R42

Routing Number/Check Digit Error (ENR only) NACHA

R43

Invalid DFI Account Number (ENR only) NACHA

R44

Invalid Individual ID Number/Identification Number (ENR only) NACHA

R45

Invalid Individual Name/Company Name (ENR only)NACHA

R46

Invalid Representative Payee Indicator (ENR only) NACHA

R47

Duplicate Enrollment (ENR only) NACHA

R50

State Law Affecting RCK Acceptance NACHA

R51

The Amount of the RCK Entry was not Accurately Obtained from the Item NACHA

R52

Stop Payment on Item (adjustment entries) NACHA

R53

Item and ACH Entry Presented for Payment NACHA

R61

Misrouted Return NACHA

R62

Incorrect Trace Number NACHA

R63

Incorrect Dollar Amount NACHA

R64

Incorrect Individual Identification NACHA

R65

Incorrect Transaction Code NACHA

R66

Incorrect Company Identification NACHA

R67

Duplicate Return NACHA

R68

Untimely Return NACHA

R69

Multiple Errors NACHA

R70

Permissible Return Entry Not Accepted NACHA

R71

Misrouted Dishonored Return NACHA

R72

Untimely Dishonored Return NACHA

R73

Timely Original Return NACHA

R74

Corrected Return NACHA

R75

Return Not a Duplicate

R76

Non-Accepted of R62 Dishonored Return

R80

Cross-Border Payment Coding Error NACHA

R81

Non-Participant in Cross-Border Program NACHA

R82

Invalid Foreign Receiving DFI Identification NACHA

R83

Foreign Receiving DFI Unable to Settle NACHA

R84

Entry Not Processed by OGO NACHA

R85

Incorrectly Coded Outbound International Payment

R100

No R-Code Available. This is not an actual return code, but can be used when a return code is not available.


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