Most common ACH return reason codes Now that you know a little more about the meaning behind ODFI and RDFI, here are some of the most common ACH return codes: ACH Return Code Description Detail Solution R01 Insufficient Funds This means that the available balance isn’t enough to cover...
ACH Return Codes Below is a list of decline reason codes for ACH rejections. If you have enabled theDecline webhook, the webhook you receive will contain the specific return code. CodeName R01Insufficient Funds R02Account closed R03No account/unable to locate account ...
When an ACH transfer cannot be processed, the ACH network returns a 'rejection code' or 'return code' that explains why a transfer wasn't completed. The reason could be as simple as a wrong account number or as complicated as rules and restrictions that financial institutions place on these ...
Return CodeReason for Return & DescriptionReturn Time FrameDeactivated or SuspendedFunding Source UnverifiedFunding Source RemovedFunding Source Blocklisted* R01 Insufficient Funds Available balance is not sufficient to cover the dollar value of the debit entry. 2 banking days No No No No R02 Bank ...
Additional ACH Return Codes In addition to the explained ACH return codes, there are some codes that aren’t used as frequently as the ones above. We hereby present them in the table below. Return code Reason for return R38 Stop Payment on Source Document ...
The table below provides return reason codes and explains what steps you can take if an ACH transaction was not processed and returned to you: Reason CodeDescriptionWhat it meansWhat you should do R01Insufficient FundsThe bank account you submitted to PayPal for payment does not have sufficient ...
If the payment is returned, the status changes to an R code, with the number indicating the reason for the return. Payment status is described fully in "ACH Status Codes" on page 49. Retrying Returned Payments A return is a payment that has been returned to the ODFI by the RDFI or ...