R10 – Originator is Not Known to Receiver, or Originator is Not Authorized to Debit Receiver's Account: The receiver does not have a business relationship with the originator, or has not authorized the originator to debit their account.
A key difference between R10 and R11 is that with an R11 return an Originator is permitted to correct the underlying error, if possible, and submit a new Entry without being required to obtain a new authorization.
What is “Customer Advises Not Authorized” (R10)? The meaning of ACH reason code R10, or “Customer Advises Not Authorized,” is that the customer has advised the bank or other financial institution that the transaction is not authorized.
If you get an ACH return code r11 when accepting ACH payments, it basically means you need to correct the return of an authorized debit, which contains one or more of the following errors: The debit entry was of the wrong amount. The debit entry was debited before it authorization.
R15 – Beneficiary or Account Holder Deceased: Either the beneficiary or the account holder is deceased.
R01 / Insufficient funds: The customer's bank account does not have sufficient funds to complete the ACH transaction.
If you receive the return code R20, it's likely the RDFI is a non-transaction account, limited account, or prohibited account. Essentially, it's not an account designed to accept payments.
What Does ACH Return Code R12 Mean? An ACH return code R12 indicates the bank was sold to another DFI a.k.a. Depository Financial Institution (recipient's bank). The bank received a transaction entry for an account/bank that was acquired by another financial institution.
RDFIs are able (but not required) to use Return Reason Code R17 – (File Record Edit Criteria / Entry with Invalid Account Number Initiated Under Questionable Circumstances / Return of Improperly-Initiated Reversal) to indicate that the RDFI believes an ACH Credit containing invalid account information was initiated ...
Effective April 1, 2020, a modification to the Automated Clearing House (ACH) Rules (Off-site) repurposes the Return Reason Code R11 to be used when a receiving customer claims that there was an error with an otherwise authorized payment.
R09 Uncollected Funds
Sufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of transactions in the process of collection (i.e., uncollected checks) brings the available and/or cash reserve balance below the dollar value of the debit entry.
ACH Return Code R06 – Returned per ODFI's Request
The ACH entry was returned by the originating depository financial institution (ODFI) and let the RDFI know. A return of this sort could be because the ACH entry was an erroneous entry or the credit entry originator did not have the authorization of the originator.
If a charge is not authorized, it usually means that there is a problem with the account or that you are at, near, or over your credit limit. Usually, when you use your credit card at a store the merchant obtains authorization from the card issuer.
Tiles with an R10 rating provide moderate slip resistance and are suitable for bathroom floors. Tiles with an R11 rating provide good slip resistance and can be used in all internal areas including wet rooms and can also be used outside.
R10 slip rating – these tiles provide a minor to moderate resistance to slipping, ideal for hallways and kitchens. R11 slip rating – these tiles provide a moderate resistance and can be used in kitchen and bathrooms and potentially wet rooms.
R11. CHECK SAFEKEEPING ENTRY RETURN used when returning a check safekeeping entry; RDFI should use appropriate field in addenda record to specify reason for return (i.e., “exceeds dollar limit,” “stale date,” etc.).
What Does ACH Return Code R30 Mean? ACH return code R30 indicates an ACH payment rejection due to a problem with the RDFI. To illustrate what this means, we'll explain the ACH payment processing in greater detail. ACH payments are a type of electronic funds transfer.
What Does ACH Return Code R19 Mean? If you receive ACH return code R19, it means “amount field error.” The code appears when the computer cannot record the amount field of the ACH payment.
What does ACH Return Code R21 Mean? ACH return code R21 means that the company ID entered in the Company Identification field was invalid. Most frequently caused by a miskeyed entry, this is not an issue with the customer's bank account itself.
R16 – Account Frozen/Entry Returned per OFAC Instruction
(1) Access to the account is restricted due to specific action taken by the RDFI or by legal action; or (2) OFAC has instructed the RDFI to return the entry.
What Does ACH Return Code R32 Mean? ACH return code R32 indicates that the payment resulted in a non-settlement from the RDFI.
What Does ACH Return Code R22 Mean? ACH return code R22 means that the individual ID entered into the “Customer ID” field was invalid. Typically, a miskeyed entry causes this error codification, not an issue with the bank or bank account. It typically occurs as a result of customer-initiated payments.
ACH return code R16 means that the account you're trying to collect from has been frozen because of the RDFI, or by some sort of legal action against the account holder. This may include, for example, a tax lien, identity theft, or a default on a legal settlement payment.
What Does ACH Return Code R14 Mean? An ACH return code R14 means the representative payee is deceased. The payee is the recipient of an electronic check, or the individual to whom the money is sent.
What does ACH Return Code R07 Mean? Return code R07 surfaces when the customer who originally authorized the ACH payment has now revoked their authorization. The ACH requires authorization from the transferrer to follow through with the payment.