If your company does any kind of eCheck ACH processing you'll want to get familiar with at least a couple of these return codes from NACHA.
Return Code | Description |
| R01 | Insufficient Funds |
| R02 | Account Closed |
| R03 | No Account/Unable to Locate Account |
| R04 | Invalid Account Number |
| R05 | Unauthorized Debit to Consumer Account |
| R06 | Returned per ODFIs Request |
| R07 | Authorization Revoked by Customer |
| R08 | Payment Stopped or Stop Payment on Item |
| R09 | Uncollected Funds |
| R10 | Customer Advises Not Authorized |
| R11 | Check Truncation Entry Return |
| R12 | Branch sold to another DFI |
| R13 | RDFI not qualified to participate |
| R14 | Representment payee deceased or unable to continuein that capacity |
| R15 | Beneficiary of account holder deceased |
| R16 | Account Frozen |
| R17 | File record edit criteria |
| R18 | Improper effective entry date |
| R19 | Amount field error |
| R20 | Non-Transaction Account |
| R21 | Invalid company identification |
| 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 | Routing number check digit error |
| R29 | Corporate customer advises not authorized |
| R30 | RDFI not participant in check truncation program |
| R31 | Permissible return entry |
| R32 | RDFI non-settlement |
| R33 | Return of XCK entry |
| R34 | Limited participation DFI |
| R35 | Return of improper debit entry |
| R36 | Return of improper credit entry |
| R38 | Stop Payment on Source Document |
| R40 | Return of ENR entry by Federal Government Agency (ENR Only) |
| R41 | Invalid transaction code (ENR Only) |
| R42 | Routing number/check digit error (ENR only) |
| R43 | Invalid DFI account number (ENR only) |
| R44 | Invalid individual ID number (ENR only) |
| R45 | Invalid individual name/company name (ENR only) |
| R46 | Invalid representative payee indicator (ENR only) |
| R47 | Duplicate enrollment |
| R50 | State Law Affecting RCK Acceptance |
| R51 | Item is Ineligible, Notice Not Provided, Signature not genuine |
| R52 | Stop Payment on Item |
| R61 | Misrouted return |
| R62 | Incorrect trace number |
| R63 | Incorrect dollar amount |
| R64 | Incorrect individual identification |
| R65 | Incorrect transaction code |
| R66 | Incorrect company identification |
| R67 | Duplicate return |
| R68 | Untimely Return |
| R69 | Multiple Errors |
| R70 | Permissible return entry not accepted |
| R71 | Misrouted dishonored return |
| R72 | Untimely dishonored return |
| R73 | Timely original return |
| R74 | Corrected return |
| R80 | Cross-Border Payment Coding Error |
| R81 | Non-Participant in Cross-Border Program |
| R82 | Invalid Foreign Receiving DFI Identification |
| R83 | Foreign Receiving DFI Unable to Settle |
| Change Code | Description |
| C01 | Incorrect DFI Account Number |
| C02 | Incorrect Transit/Routing Number |
| C03 | Incorrect Transit/Routing Number and Incorrect DFI Account Number |
| C04 | Incorrect Individual Name |
| C05 | Incorrect Transaction Code |
| C06 | Incorrect DFI Account Number and Incorrect Transaction Code |
| C07 | Incorrect Transit/Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code |
| C08 | Reserved |
| C09 | Incorrect Individual Identification Number |
| C10 | Incorrect Company Name |
| C11 | Incorrect Company Identification |
| C12 | Incorrect Company Name and Company Identification |
| C13 | Addenda Format Error |
| C61 | Misrouted Notification of Change |
| C62 | Incorrect Trace Number |
| C63 | Incorrect Company Identification Number |
| C64 | Incorrect Individual Identification Number |
| C65 | Incorrectly Formatted Corrected Data |
| C66 | Incorrect Discretionary Data |
| C67 | Routing Number Not From Original Entry Detail Record |
| C68 | DFI Account Number Not From Original Entry Detail Record |
| C69 | Incorrect Transaction Code |
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