ACH Return Codes - Secure Payment Systems

Transcription

ACH RETURN REASON CODESNACHA Return Reason Codes(For additional information on return reason codes, please see the NACHA count TypeTime FrameR01Insufficient FundsRDFIReturnR02Account ClosedRDFIReturnR03No Account/ Unable toLocate AccountRDFIReturnConsumer or NonconsumerConsumer or NonconsumerConsumer or Nonconsumer2 Banking Days (“24hours”)2 Banking Days (“24hours”)2 Banking Days (“24hours”)R04Invalid Account NumberStructureUnauthorized Debit toConsumer Account UsingCorporate SEC CodeReturned per ODFI’sRequestAuthorization Revokedby CustomerPayment StoppedThe available and/or cash reserve balance is not sufficient tocover the dollar value of the debit Entry.A previously active account has been closed by action of thecustomer or the RDFIThe account number structure is valid and it passes the Checkdigit validation, but the account number does not correspondto the individual identified in the Entry, or the accountnumber designated is not an existing account.The account number structure is not valid.RDFIReturnExtendedReturn2 Banking Days (“24hours”)60 Calendar DaysNoRDFIConsumer or urnNot defined, determinedby ODFI and RDFI60 Calendar DaysNoRDFIConsumer or NonconsumerConsumerReturn2 Banking Days (“24hours”)2 Banking Days (“24hours”)NoRDFIConsumer or NonconsumerConsumer or NonconsumerRDFIExtendedReturnConsumer; for ARC, BOC,IAT, or POP, Entries mayalso be a Non-consumer.60 Calendar DaysYesRDFIExtendedReturnConsumer for ARC, BOC,POP, and IAT entries, mayalso be a Non-Consumer60 Calendar DaysYesR05R06R07R08R09R10R11CCD or CTX debit Entry was transmitted to a ConsumerAccount of the Receiver and was not authorized by theReceiver.The ODFI has requested that the RDFI return an ErroneousEntry.The RDFI’s customer (the Receiver) revoked the authorizationpreviously provided to the Originator for this debit Entry.The Receiver has placed a stop payment order on this debitEntry.A sufficient ledger balance exists to satisfy the dollar value ofUncollected Fundsthe transaction, but the available balance is below the dollarvalue of the debit Entry.The RDFI has been notified by the Receiver that the ReceiverCustomerAdvisesdoes not know the identity of the Originator; has noOriginator is Not Knownrelationship with the Originator; or has not authorized theto Receiver and/orOriginator to debit his/her account.OriginatorisNotFor ARC and BOC entries, the RDFI has been notified by theAuthorized by ReceiverReceiver that the signature on the source document is notto Debit Receiver’sauthentic, valid, or authorized.AccountFor POP entries, the RDFI has been notified by the Receiverthat the signature on the written authorization is notauthentic, valid, or authorized.Customer Advises EntryThe RDFI has been notified by the Receiver that the OriginatorNot in Accordance with the and Receiver have a relationship and an authorization to debitTerms of the Authorization exists, but there is an error or defect in the payment such thatthe entry does not conform to the terms of the authorization(for example, the entry is for an amount different thanauthorized; the entry was initiated for settlement earlier thanauthorized; the entry is part of an Incomplete Transaction; thedebit entry was improperly reinitiated; for ARC, BOC, or POPentries: ineligible source document, notice was not provided;amount of the entry was not accurately obtained from thesource document).October 2020Secure Payment SystemsWrittenStatementRequiredNoNoNoYesYesNo1

ACH RETURN REASON unt TypeTime FrameR12Account Sold to AnotherDFIInvalid ACH RoutingNumberA financial institution received an Entry to an account thatwas sold to another financial institution.Entry contains an RDFI ID or Gateway ID that is not a valid ACHrouting number.RDFIReturnACHOperatorReturnConsumer or NonconsumerConsumer or NonConsumer2 Banking Days (“24hours”)Next file delivery timefollowing processingRepresentative PayeeDeceased or Unable toContinue in that CapacityBeneficiary or AccountHolder (Other Than aRepresentative Payee)DeceasedAccount Frozen/EntryReturned per OFACInstructionFile Record EditCriteria/Entry with InvalidAccount Number InitiatedUnder QuestionableCircumstancesNon-Transaction AccountThe representative payee is either deceased or unable tocontinue in that capacity. The beneficiary is NOT deceased.RDFIReturnConsumer or Nonconsumer2 Banking Days (“24hours”)No(1) The beneficiary is deceased, or (2) The account holder isdeceased.RDFIReturnConsumer2 Banking Days (“24hours”)No1) Access to the account is restricted due to specific actiontaken by the RDFI or by legal action; or (2) OFAC hasinstructed the RDFI or Gateway to return the Entry.(1)Field(s) cannot be processed by RDFI; or (2) the Entrycontains an Invalid DFI Account Number (account closed/noaccount/unable to locate account/invalid account number) andis believed by the RDFI to have been initiated underquestionable circumstances.ACH Entry to a Non-Transaction AccountRDFI orGatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoRDFIReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoRDFIReturnThe identification number used in the Company IdentificationField is not valid.The Receiver has indicated to the RDFI that the number withwhich the Originator was identified is not correct.Any credit Entry that is refused by the Receiver may bereturned by the RDFI.RDFIReturnRDFIReturnRDFIReturnR24Duplicate EntryRDFIReturnConsumer or NonconsumerR29Corporate CustomerAdvises Not AuthorizedPermissible Return Entry(CCD and CTX only)Return of XCK EntryThe RDFI has received what appears to be a duplicate Entry;i.e. the trace number, date, dollar amount and/or other datamatches another transaction.The RDFI has been notified by the Receiver (non-consumer)that a specific Entry has not been authorized by the Receiver.The RDFI may return a CCD or CTX Entry that the ODFI agreesto accept.This Return Reason Code may only be used to return XCKEntries and is at the RDFI’s sole discretion.2 Banking Days (“24hours”)2 Banking Days (“24hours”)2 Banking Days (“24hours”)RDFI must transmit theReturn Entry to the ACHOperator by the ACHOperator’s depositdeadline for the ReturnEntry to be madeavailable to the ODFI nolater than the opening ofbusiness on the secondBanking Day followingthe RDFI’s receipt of theEntry from its Receiver.2 Banking Days (“24hours”)NoInvalid CompanyIdentificationInvalid Individual IDNumberCredit Entry Refused byReceiverConsumer or IReturnNon-consumerRDFIExtendedReturnConsumer or Nonconsumer2 Banking Days (“24hours”)Not defined, determinedby the ODFI and RDFI.60 Calendar DaysR13R14R15R16R17R20R21R22R23R31R33October 2020Secure Payment SystemsConsumer or NonconsumerConsumer or o2

ACH RETURN REASON unt TypeTime FrameR37Source DocumentPresented for PaymentStop Payment on SourceDocumentThe source document to which an ARC, BOC, or POP Entryrelates has been presented for payment.The RDFI determines a stop payment order has been placedon the source document to which the ARC or BOC Entryrelates.The RDFI determines that (1) the source document used foran ARC, BOC, or POP Entry to its Receiver’s account isimproper, or (2) an ARC, BOC, or POP Entry and the sourcedocument to which the Entry relates have both beenpresented for payment and posted to the Receiver’s account.RDFIExtendedReturnExtendedReturnConsumer or NonconsumerConsumer or Nonconsumer60 Calendar DaysWrittenStatementRequiredYes60 Calendar DaysNoReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoThe RDFI is located in a state that has not adopted RevisedArticle 4 of the Uniform Commercial Code (1990 Official Text)and has not revised its customer agreements to allow forElectronic presentment. OR The RDFI is located within a statethat requires all canceled Checks to a specific type of account tobe returned to the Receiver within the periodic statement.An RCK Entry is considered to be ineligible or improper.RDFIReturnConsumer2 Banking Days (“24hours”)NoRDFIExtendedReturnConsumer60 Calendar DaysYesA stop payment order has been placed on the item to which theRCK Entry relates.In addition to an RCK Entry, the item to which the RCK Entryrelates has also been presented for payment.RDFIExtendedReturnExtendedReturnConsumer60 Calendar DaysNoConsumer60 Calendar DaysYesThe ODFI must transmit adishonored Return Entryto its ACH Operator withinfive Banking Days afterthe Settlement Date ofthe Return Entry.The ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.The ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.NoR38R39Improper SourceDocument/ SourceDocument Presented forPaymentR50State Law AffectingRCK AcceptanceR51Item related to RCKEntry is Ineligible orRCK Entry is ImproperStop Payment on ItemRelated to RCK EntryItem and RCK EntryPresented forPaymentR52R53RDFIRDFICodes to be used for Return of RCK EntriesDishonored Return Reason CodesRDFICodes to be used by the ODFI for Dishonored Return EntriesR61Misrouted ReturnThe financial institution preparing the Return Entry (The RDFI ofthe original Entry) has placed the incorrect Routing Number inthe Receiving DFI Identification field.ODFIR62Return of Erroneous orReversing DebitThe Originator’s/ODFI’s use of the reversal process hasresulted in, or failed to correct, an unintended credit to theReceiver.ODFIR67Duplicate ReturnThe ODFI has received more than one Return for the sameEntry.ODFIOctober 2020DishonoredReturn –Must beused for allEntriesexcept IATDishonoredReturn –May beused for allEntriesexcept IATDishonoredReturn –Must beused for allEntriesexcept IATSecure Payment SystemsConsumer or NonconsumerConsumer or NonConsumerConsumer or NonconsumerNoNo3

ACH RETURN REASON CODESCodeTitleR68Untimely ReturnR69Field Error(s)R70Permissible ReturnEntry Not Accepted/Return Not Requestedby ODFIR80IAT Entry Coding ErrorR81Non-Participant in IATProgramR82Invalid ForeignReceiving DFIIdentificationForeign Receiving DFIUnable to SettleEntry Not Processedby GatewayR83R84R85Incorrectly CodedOutboundInternational PaymentOctober 2020DescriptionInitiatedByReturnTypeAccount TypeTime FrameThe Return Entry has not been sent within the timeframeestablished by these Rules.ODFIConsumer or NonconsumerOne or more of the field requirements are incorrect.01 – Return Contains Incorrect DFI Account Number02 – Return Contains Incorrect Original Entry Trace Number03 – Return Contains Incorrect Dollar Amount04 – Return Contains Incorrect Individual IdentificationNumber/ Identification Number05 – Return Contains Incorrect Transaction Code06 – Return Contains Incorrect Company Identification Number07 – Return Contains an Invalid Effective Entry DateThe ODFI has received a Return Entry identified by the RDFI asbeing returned with the permission of, or at the request of, theODFI, but the ODFI has not agreed to accept the Entry or hasnot requested the return of the Entry.ODFIDishonoredReturn –Must beused for allEntriesexcept IATDishonoredReturn –Must beused for allEntriesexcept IATThe ODFI must transmit adishonored Return Entryto its ACH Operator withinfive Banking Days afterthe Settlement Date ofthe Return Entry.The ODFI must transmit adishonored Return Entryto its ACH Operatorwithin five Banking Daysafter the Settlement Dateof the Return Entry.DishonoredReturn –Must beused for allEntriesexcept IAT.Consumer or NonconsumerODFIConsumer or NonconsumerCodes to be used by Gateway Operators for Return of IAT EntriesWrittenStatementRequiredNoNoThe ODFI must transmit adishonored Return Entryto its ACH Operator withinfive Banking Days afterthe Settlement Date ofthe Return Entry.NoThe IAT Entry is being returned due to one or more of thefollowing conditions:Invalid DFI/Bank Branch Country Code; Invalid DFI/BankIdentification Number Qualifier; Invalid Foreign ExchangeIndicator; Invalid ISO Originating Currency Code; Invalid ISODestination Currency Code; Invalid ISO Destination CountryCode; Invalid Transaction Type Code.The IAT Entry is being returned because the Gateway does nothave an agreement with either the ODFI or the Gateway’scustomer to transmit IAT Entries.The reference used to identify the Foreign Receiving DFI of anOutbound IAT Entry is invalid.GatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoGatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoGatewayReturnConsumer or Nonconsumer2 Banking Days (“24hours”)NoThe IAT Entry is being returned due to settlement problems inthe foreign payment system.For Outbound IAT Entries, the Entry has not been processed andis being returned at the Gateway’s discretion because either (1)the processing of such Entry may expose the Gateway toexcessive risk or (2) the foreign payment system does notsupport the functions needed to process the transaction.The RDFI/Gateway has identified the Entry as an Outboundinternational payment and is returning the Entry because itbears an SEC Code that lacks information required by theGateway for OFAC compliance.GatewayReturnReturn2 Banking Days (“24hours”)2 Banking Days (“24hours”)NoGatewayConsumer or NonconsumerConsumer or NonconsumerGatewayReturnConsumer or NonConsumer2 Banking Days (“24”hours”)NoSecure Payment SystemsNo4

ACH NOC CodesNACHA Notification of Change Incorrect DFI AccountNumberIncorrect RoutingNumberIncorrect RoutingNumber and IncorrectDFI Account NumberInitiated ByRDFIIncorrect TransactionCodeIncorrect DFI AccountNumber and IncorrectTransaction CodeIncorrect RoutingNumber, Incorrect DFIAccount Number, andIncorrect TransactionCodeIncorrect Receiving DFIIdentification (IATonly)Incorrect IndividualIdentificationNumber/IncorrectReceiver IdentificationNumberAddenda Format ErrorRDFIIncorrect SEC Code forOutboundInternational PaymentGatewayOctober 2020Corrected DataCorrect DFI Account Number appears in first 17 positions of the Corrected DataField.Correct Routing Number (including Check Digit) appears in first nine positions ofthe Corrected Data Field.Correct Routing Number (including Check Digit) appears in first nine positions ofthe Corrected Data Field – Correct DFI Account Number appears in the 13ththrough 29th position of the same field with a space in the 10th, 11th, and 12thpositions.Correct Transaction Code appears in first two positions of the Corrected DataFieldCorrect DFI Account Number appears in the first 17 positions of the CorrectedData Field – Correct Transaction Code appears in the 21st and 22nd positions ofthe same field with spaces in the 18th, 19th, and 20th positions.Correct Routing Number (including Check Digit) appears in the first ninepositions of the Corrected Data Field – Correct DFI Account Number appears inthe 10th through 26th positions of the same field – and Correct Transaction Codeappears in the 27th and 28th positions of the same field.Entry TypeNOC (COR)NOC (COR)2 Banking Days from originalEntry’s Settlement DateRDFIThe correct Receiving DFI Identification appears in the first 34 positions of theCorrected Data Field.NOC (COR)2 Banking Days from originalEntry’s Settlement DateRDFICorrect number appears in the first 22 positions of the Corrected Data Field.NOC (COR)2 Banking Days from originalEntry’s Settlement DateRDFIInformation in the Entry Detail Record was correct and the Entry was able to beprocessed and posted by the RDFI. However, information found in the AddendaRecord was unclear or was formatted incorrectly.The RDFI/Gateway has identified the Entry as an Outbound internationalpayment and is requesting that future Entries be identified as IAT Entries andconvey information required by the Gateway for OFAC compliance. The value“IAT” must appear within the first 3 positions of the Corrected Data Field.NOC (COR)2 Banking Days from originalEntry’s Settlement DateNOC (COR)2 Banking Days from originalEntry Settlement DateRDFIRDFIRDFIRDFISecure Payment SystemsNOC (COR)NOC (COR)NOC (COR)NOC (COR)Time Frame2 Banking Days from originalEntry’s Settlement Date2 Banking Days from originalEntry’s Settlement Date2 Banking Days from originalEntry’s Settlement Date2 Banking Days from originalEntry’s Settlement Date2 Banking Days from originalEntry’s Settlement Date5

The Originator’s/ODFI’s use of the reversal process has resulted in,or failed to correct, an unintended credit to the Receiver. ODFI Dishonored Return – May be used for all Entries except IAT of the Return Entry. Consumer or Non - Consumer The ODFI must transmit a dishonored Return Entry to i