API – NACHA Return Codes
Below is a list of all NACHA return codes the API recognizes:
- nacha.returnCode.r01 – Insufficient funds
- nacha.returnCode.r02 – Bank account closed
- nacha.returnCode.r03 – No bank account/unable to locate account
- nacha.returnCode.r04 – Invalid bank account number
- nacha.returnCode.r05 – Improper Debit to Consumer Account
- nacha.returnCode.r06 – Returned per Originating Depository Financial Institution (ODFI) request
- nacha.returnCode.r07 – Authorization revoked by customer
- nacha.returnCode.r08 – Payment stopped
- nacha.returnCode.r09 – Uncollected funds
- nacha.returnCode.r10 – Customer advises not authorized
- nacha.returnCode.r11 – Check truncation entry return
- nacha.returnCode.r12 – Branch sold to another RDFI
- nacha.returnCode.r13 – RDFI not qualified to participate
- nacha.returnCode.r14 – Representative payee deceased or unable to continue in that capacity
- nacha.returnCode.r15 – Beneficiary or bank account holder
- nacha.returnCode.r16 – Bank account frozen
- nacha.returnCode.r17 – File record edit criteria
- nacha.returnCode.r18 – Improper effective entry date
- nacha.returnCode.r19 – Amount field error
- nacha.returnCode.r20 – Non-payment bank account
- nacha.returnCode.r21 – Invalid company ID number
- nacha.returnCode.r22 – Invalid individual ID number
- nacha.returnCode.r23 – Credit entry refused by receiver
- nacha.returnCode.r24 – Duplicate entry
- nacha.returnCode.r25 – Addenda error
- nacha.returnCode.r26 – Mandatory field error
- nacha.returnCode.r27 – Trace number error
- nacha.returnCode.r28 – Transit routing number check digit error
- nacha.returnCode.r29 – Corporate customer advises not authorized
- nacha.returnCode.r30 – RDFI not participant in check truncation program
- nacha.returnCode.r31 – Permissible return entry (CCD and CTX only)
- nacha.returnCode.r32 – RDFI non-settlement
- nacha.returnCode.r33 – Return of XCK entry
- nacha.returnCode.r34 – Limited participation RDFI
- nacha.returnCode.r35 – Return of improper debit entry None