ACH return reason codes
Every ACH return code, on its own page.
A fast reference for the codes that come back when a payment fails. Each one gets a specimen card, a plain-English meaning, who initiated it, whether you can retry, and what to do next.
Try /r08 — codes are case-insensitive.
/74
Funds
2Account
8- R02Account Closed
- R03No Account / Unable to Locate Account
- R04Invalid Account Number
- R12Account Sold to Another DFI
- R14Representative Payee Deceased or Unable to Continue in that Capacity
- R15Beneficiary or Account Holder Deceased
- R16Account Frozen / Entry Returned per OFAC Instruction
- R20Non-Transaction Account
Authorization
13- R05Unauthorized Debit to Consumer Account Using Corporate SEC Code
- R07Authorization Revoked by Customer
- R08Payment Stopped
- R10Customer Advises Originator Not Known / Not Authorized
- R11Customer Advises Entry Not in Accordance with the Terms of the Authorization
- R23Credit Entry Refused by Receiver
- R29Corporate Customer Advises Not Authorized
- R37Source Document Presented for Payment
- R38Stop Payment on Source Document
- R39Improper Source Document / Source Document Presented for Payment
- R51Item Related to RCK Entry is Ineligible or RCK Entry is Improper
- R52Stop Payment on Item Related to RCK Entry
- R53Item and RCK Entry Presented for Payment
Format
51- R06Returned per ODFI's Request
- R13Invalid ACH Routing Number
- R17File Record Edit Criteria / Entry Initiated Under Questionable Circumstances
- R18Improper Effective Entry Date
- R19Amount Field Error
- R21Invalid Company Identification
- R22Invalid Individual ID Number
- R24Duplicate Entry
- R25Addenda Error
- R26Mandatory Field Error
- R27Trace Number Error
- R28Routing Number Check Digit Error
- R30RDFI Not Participant in Check Truncation Program
- R31Permissible Return Entry (CCD and CTX only)
- R32RDFI Non-Settlement
- R33Return of XCK Entry
- R34Limited Participation DFI
- R35Return of Improper Debit Entry
- R36Return of Improper Credit Entry
- R40Return of ENR Entry by Federal Government Agency
- R41Invalid Transaction Code (ENR only)
- R42Routing Number / Check Digit Error (ENR only)
- R43Invalid DFI Account Number (ENR only)
- R44Invalid Individual ID Number (ENR only)
- R45Invalid Individual Name / Company Name (ENR only)
- R46Invalid Representative Payee Indicator (ENR only)
- R47Duplicate Enrollment (ENR only)
- R50State Law Affecting RCK Acceptance
- R61Misrouted Return
- R62Return of Erroneous or Reversing Debit
- R63Incorrect Dollar Amount
- R64Incorrect Individual Identification
- R65Incorrect Transaction Code
- R66Incorrect Company Identification
- R67Duplicate Return
- R68Untimely Return
- R69Field Error(s)
- R70Permissible Return Entry Not Accepted / Return Not Requested by ODFI
- R71Misrouted Dishonored Return
- R72Untimely Dishonored Return
- R73Timely Original Return
- R74Corrected Return
- R75Return Not a Duplicate
- R76No Errors Found
- R77Non-Acceptance of R62 Dishonored Return
- R80IAT Entry Coding Error
- R81Non-Participant in IAT Program
- R82Invalid Foreign Receiving DFI Identification
- R83Foreign Receiving DFI Unable to Settle
- R84Entry Not Processed by Gateway
- R85Incorrectly Coded Outbound International Payment
Add a code: append one object to data/codes.ts — no layout changes. Source.
55 entries are flagged for expert review; those pages say so inline.