R11
Customer Advises Entry Not in Accordance with the Terms of the Authorization
The Receiver acknowledges an authorization exists but states the entry does not conform to its terms — a wrong amount, a wrong date, or an incomplete transaction.
- Initiator
- RDFI (customer claim)
- Category
- Authorization
- Retry
- Yes
What to do next
Correct the defect and re-originate within 60 days of the return — a new authorization is generally not required, because the underlying authorization survives.
Awaiting expert review
Two live risks. (1) Several published lists still carry the pre-2015 title 'Check Truncation Entry Return' for R11 — that is stale. (2) The correct-and-resubmit-within-60-days allowance is the whole point of the 2020 R10/R11 split and is widely described, but verify the exact conditions and whether re-authorization is needed before relying on it in code.