R39

Improper Source Document / Source Document Presented for Payment

The RDFI determines the source document used for an ARC, BOC, or POP entry was ineligible, or that both the entry and the source document have been presented for payment.

Initiator: RDFI
Category: Authorization
Retry: No

What to do next

Do not re-originate. Review your source-document eligibility screening — ineligible items include those already converted or drawn on ineligible account types.

ARCBOCPOP

Needs verification

R39 overlaps confusingly with R37, and public sources give it inconsistent titles and scope; BMO omits it entirely. The definition needs verification. Treat this entry as a placeholder pending the definition pass.