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The ACH recovery strategy consists of 20 19 recovery options that align with the return codes defined by Nacha NACHA and displayed below. 

Return CodeReturn Code DescriptionBatch Recovery Conditions
R05Unauthorized Debit Using Corporate SEC Code
  1. The transaction date is <60 days from today
  2. SEC is CCD or CTX
  3. Account Type = Consumer
  4. Claim Reason = Unauthorized, Revoked, Charged More than Once
  5. Transaction Type = Debit
R06ODFIs Request
R07Authorization Revoked by Customer
  1. The transaction date is <60 days from today
  2. SEC is not CCD or CTX
  3. Account Type = Consumer or Business
  4. Claim Reason = Revoked
  5. Transaction Type = Debit
R08Payment Stopped
R10Unauthorized Debit
  1. The transaction date is <60 days from today
  2. SEC is not CCD or CTX
  3. Account Type = Consumer or Business
  4. Claim Reason = Unauthorized
  5. Transaction Type = Debit
R11Entry Not in Accordance with the Terms of the Authorization
  1. The transaction date is <60 days from today
  2. SEC is not CCD or CTX
  3. Account Type = Consumer or Business
  4. Claim Reason = Charged Incorrectly
  5. Transaction Type = Debit
R15Beneficiary or Account Holder Deceased
R23Credit Entry Refused by Receiver
  1. The transaction date is <60 days from today
  2. Any Sec Code
  3. Account Type = Consumer or Business
  4. Claim Reason = Any
  5. Transaction Type = Credit
R24Duplicate Entry
R29Corporate Customer Advises Not Authorized
R31Permissible Return EntryR31 is only applicable for:
  1. SEC Code CCD or CTX transactions
  2. Business Accounts
R33Return of XCK Entry
R37Source Document Presented for Payment
R38Stop Payment on Source Document
R39Improper/Source Document Presented for Payment
R50State Law Affecting RCK Acceptance
R51Item Related to RCK Ineligible or Entry Improper
R52Stop Payment on Item Related to RCK Entry
R53Item and RCK Entry Presented for Payment

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