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 |
|
| 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.
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