API – NACHA Return Codes

General

The National Automated Clearing House Association (NACHA) set a specific format for formatting E-checks, which includes a set of codes for returned payments. These return codes act as a shorthand, explaining why an E-check was returned.

For a full list of return codes and how they're used in the LoanPro UI, see our article on NACHA Returns. Similarly, our article on NACHA in the Secure Payments API lists other relevant articles that go over the API process. This article lists the values associated with each return code in the API.

Each NACHA return code begins with "nacha.returnCode" followed by the shorthand code number. For example, the full code for insufficient funds is "nacha.returnCode.r01". The following table lists only the shorthand code number to eliminate redundancy.

Below is a list of all NACHA return codes the API recognizes.

Return 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


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