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.