Return Events / Codes
note
During the integration and testing process, to receive back return data, the Tech Integrations team will need to manually set some of your previously sent/processed transactions as “returned” in our system. Please reach out to the team when you are ready for this testing. Please include Transaction Reference Numbers of the transactions you would like to have “returned”.
ACH Return Events / Return Codes
| RETURNED NSF | |
|---|---|
| Insufficient Funds | R01 |
| Uncollected Funds | R09 |
| RETURNED BAD ACCOUNT | |
|---|---|
| Account Closed | R02 |
| Account Holder Deceased | R15 |
| Account Frozen | R16 |
| Invalid Account Number Structure | R04 |
| Non Transaction Account | R20 |
| Unable To Locate Account | R03 |
| Representative Payee Deceased | R14 |
| UNAUTHORIZED | |
|---|---|
| Unauthorized Debit To Customer Account | R05 |
| Authorization Revoked By Customer | R07 |
| Customer Advises Originator is Not Known to Receiver and/or Is Not Authorized by Receiver to Debit Receiver’s Account | R10 |
| Corporate Customer Advises Not Authorized | R29 |
| RCK Item Is Ineligible | R51 |
| Customer Advises Entry Not In Accordance with the Terms of the Authorization | R11 |
| DISPUTED | |
|---|---|
| Returned Per ODFIs Request | R06 |
| Payment Stopped | R08 |
| Credit Entry Refused By Receiver | R23 |
| RDFI Not Participant In Check Truncation Program | R30 |
| Permissible Return Entry | R31 |
| Source Document Presented For Payment | R37 |
| Stop Payment On Source Document | R38 |
| Improper Source Document | R39 |
| RCK State Law Affecting Acceptance | R50 |
| RCK Stop Payment | R52 |
| RCK Paper Presented For Payment | R53 |
If the code is not listed above then the status will be in research.
C21 Return Events/Return Codes
| RETURNED NSF | |
|---|---|
| NSF | A |
| Uncollected Fund | B |
| RETURNED BAD ACCOUNT | |
|---|---|
| Closed Account | D |
| Unable to Locate Account | E |
| Frozen/Blocked Account | F |
| Branch/Account Sold (Wrong Bank) | R |
| CHARGED BACK | |
|---|---|
| Stop Payment | C |
| Stale Dated | G |
| Non-Cash Item | M |
| Altered/Fictitious | N |
| Item Exceed Dollar Limit | P |
| Non Authorized | Q |
| Stop Payment Suspect | T |
| Unusable Image | U |
| Image Fails Security Check | V |
| Cannot Determine Amount | W |
| Duplicate Presentment | Y |
| Forgery | Z |
| OTHER CHECK 21 RETURNS | |
|---|---|
| Post Dated | H |
| Endorsement Missing | I |
| Endorsement Irregular | J |
| Signature Missing | K |
| Signature Irregular | L |
| Unable to Process | O |
| Refer to Maker | S |
| Refer to Image | X |