ACH Return Codes
The ACH recovery strategy consists of 20 19 recovery options that align with the return codes defined by Nacha NACHA and displayed below.
| Return Code | Return Code Description | Batch Recovery Conditions |
|---|
| R05 | Unauthorized Debit Using Corporate SEC Code | - The transaction date is <60 days from today
- SEC is CCD or CTX
- Account Type = Consumer
- Claim Reason = Unauthorized, Revoked, Charged More than Once
- Transaction Type = Debit
|
| R06 | ODFIs Request |
|
| R07 | Authorization Revoked by Customer | - The transaction date is <60 days from today
- SEC is not CCD or CTX
- Account Type = Consumer or Business
- Claim Reason = Revoked
- Transaction Type = Debit
|
| R08 | Payment Stopped |
|
| R10 | Unauthorized Debit | - The transaction date is <60 days from today
- SEC is not CCD or CTX
- Account Type = Consumer or Business
- Claim Reason = Unauthorized
- Transaction Type = Debit
|
| R11 | Entry Not in Accordance with the Terms of the Authorization | - The transaction date is <60 days from today
- SEC is not CCD or CTX
- Account Type = Consumer or Business
- Claim Reason = Charged Incorrectly
- Transaction Type = Debit
|
| R15 | Beneficiary or Account Holder Deceased |
|
| R23 | Credit Entry Refused by Receiver | - The transaction date is <60 days from today
- Any Sec Code
- Account Type = Consumer or Business
- Claim Reason = Any
- Transaction Type = Credit
|
| R24 | Duplicate Entry |
| R33 | Return of XCK Entry |
| R34 | Limited Participation DFI |
| R35 | Return of Improper Debit Entry |
R36 | Return of Improper Credit |
|
| R29 | Corporate Customer Advises Not Authorized |
|
| R31 | Permissible Return Entry | R31 is only applicable for:- SEC Code CCD or CTX transactions
- Business Accounts
|
| R33 | Return of XCK 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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