ACH Return Codes
The ACH recovery strategy consists of 20 recovery options that align with the return codes defined by Nacha and displayed below.
| Return Code | Return Code Description |
|---|
| R05 | Unauthorized Debit Using Corporate SEC Code |
| R06 | ODFIs Request |
| R07 | Authorization Revoked by Customer |
| R08 | Payment Stopped |
| R10 | Unauthorized Debit |
| R11 | Entry Not in Accordance with the Terms of the Authorization |
| R15 | Beneficiary or Account Holder Deceased |
| R23 | Credit Entry Refused by Receiver |
| R24 | Duplicate Entry |
| R33 | Return of XCK Entry |
| R34 | Limited Participation DFI |
| R35 | Return of Improper Debit Entry |
| R36 | Return of Improper Credit Entry |
| R37 | Source Document Presented for Payment |
| R38 | Stop Payment on Source Document |
| R39 | Improper/Source Document Presented for Payment |
| R50 | State Law Affecting RCK Acceptance |
| R51 | Item Related to RCK Ineligible or Entry Improper |
| R52 | Stop Payment on Item Related to RCK Entry |
| R53 | Item and RCK Entry Presented for Payment |
Recovery Flow
The ACH recovery strategy flow will, in some cases, automatically set the return code based on the questions answered during intake. When a user completes the Review Recovery Options flow action, they'll be prompted to select or confirm the return code that will be used. Once a recovery option is applied, the Process Return assignment will be generated and provide a user with the following flow actions.
| Multiexcerpt include |
|---|
| MultiExcerptName | Actions |
|---|
| PageWithExcerpt | Process ACH Return |
|---|
|
When the Process ACH Return flow action is completed, ACH Return accounting is executed to reflect the movement of funds between FIs and the Paid flow is executed to resolve the dispute.
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