R68
Untimely Return
The ODFI dishonors a return because the RDFI did not send it within the required time frame.
- Initiator
- ODFI (dishonored return)
- Category
- Format
- Retry
- No
What to do next
No Originator action — an interbank correction. If the RDFI believes its return was timely, it responds with R73.
Awaiting expert review
R68 is how a late RDFI return gets pushed back, and the mechanism by which an Originator effectively 'wins' a stale unauthorized claim.