Error Codes
ACH Return Reasons
ACH payments may be returned by the receiving financial institution, for a number of reasons. When an ACH is returned, the receivedPayment.returned webhook event will be fired.
When you're the receiving side of an ACH, Unit typically handles returns on your behalf. However, you can also initiate returns using the Return Received ACH Transaction API.
| Reason | ACH Code | Short Description |
|---|---|---|
InsufficientFunds | R01 | The available balance isn't enough to cover the value of the ACH debit. |
AccountClosed | R02 | The counterparty account has been closed. |
NoAccount | R03 | The owner details of the account number referenced in the payment don't match the details referenced in the ACH payment. Alternatively, it may indicate that the account isn't open. |
InvalidAccountNumberStructure | R04 | The structure of the account number isn't valid. |
UnauthorizedDebitToConsumer | R05 | A debit Entry was transmitted to a consumer account, but receiving consumer has not authorized debiting their account. |
ReturnedPerOdfiRequest | R06 | The originator of the payment requested that it would be returned. |
AuthorizationRevokedByCustomer | R07 | The customer who authorized the ACH payment has revoked authorization. |
PaymentStopped | R08 | The receiver of a recurring debit transaction requested to stop the payment. |
UncollectedFunds | R09 | Although there's sufficient balance in the account, the balance that is available for spending is below this dollar value. |
CustomerAdvisesNotAuthorized | R10 | The receiving customer informed their bank / financial institution that the ACH payment is unauthorized, Improper, Ineligible, or Part of an Incomplete Transaction. |
CheckTruncationEntryReturned | R11 | Check Truncation Early Return |
BranchSoldToAnotherDfi | R12 | Branch Sold to Another DFI |
RdfiNotQualifiedToParticipate | R13 | RDFI Not Qualified to Participate |
RepresentativePayeeDeceasedOrUnableToContinue | R14 | Representative Payee Deceased or Unable to Continue in that Capacity |
BeneficiaryOrBankAccountHolderDeceased | R15 | Beneficiary or Account Holder (Other Than a Representative Payee) Deceased |
AccountFrozen | R16 | Account Frozen/Entry Returned per OFAC Instruction |
FileRecordEditCriteria | R17 | File Record Edit Criteria |
ImproperEffectiveEntryDate | R18 | Improper Effective Entry Date |
AmountFieldError | R19 | Amount Field Error |
NonTransactionAccount | R20 | Non-Transaction Account |
InvalidCompanyIdentification | R21 | Invalid Company Identification |
InvalidIndividualIdNumber | R22 | Invalid Individual ID Number |
CreditEntryRefusedByReceiver | R23 | Credit Entry Refused by Receiver |
DuplicateEntry | R24 | Duplicate Entry |
AddendaError | R25 | Addenda Error |
MandatoryFieldError | R26 | Mandatory Field Error |
TraceNumberError | R27 | Trace Number Error |
RoutingNumberCheckDigitError | R28 | Routing Number Check Digit Error |
CorporateCustomerAdvisesNotAuthorized | R29 | Corporate Customer Advises Not Authorized |
RdfiNotParticipantInCheckTruncationProgram | R30 | RDFI Not Participant in Check Truncation Program |
PermissibleReturnEntry | R31 | Permissible Return Entry (CCD and CTX Only) |
RdfiNonSettlement | R32 | RDFI Non-Settlement |
ReturnOfXckEntry | R33 | Return of XCK Entry |
LimitedParticipationDfi | R34 | Limited Participation DFI |
ReturnOfImproperDebitEntry | R35 | Return of Improper Debit Entry |
ReturnOfImproperCreditEntry | R36 | Return of Improper Credit Entry |
SourceDocumentPresentedForPayment | R37 | Source Document Presented for Payment |
StopPaymentOnSourceDocument | R38 | Stop Payment on Source Document |
ImproperSourceDocument | R39 | Improper Source Document/Source Document Presented for Payment |
InvalidIndividualOrCompanyName | R45 | Invalid Individual Name/Company Name |
IncorrectlyCodedOutboundInternationalPayment | R85 | Incorrectly Coded Outbound International Payment |