ACH Return Code Reference

When an ACH payment cannot be completed, the receiving bank returns it with a standardized code that explains why. These codes are set by Nacha (National Automated Clearing House Association), the governing body for the ACH network, so they are the same across every bank and payment processor. A returned payment means no funds were delivered to the supplier and no duplicate payment was made. Use the code below to see what happened and what to do next.

Tip: ACH vs. wire routing. Invoices often list a supplier's wire routing number, which is not valid for ACH. Many banks use a different routing number for wire and for ACH. If a routing code is returned, confirm the supplier's ACH routing number specifically before resubmitting.

Code	What it is	What it means	What to do
R01	Insufficient Funds	The payment could not be funded, so it was returned. This is usually temporary.	Retry later or resubmit in a new batch. If it keeps failing, contact support.
R02	Account Closed	The supplier's bank account is no longer open.	Confirm the supplier's current account details, update them, and resubmit.
R03	No Account / Unable to Locate Account	The account number does not match a valid, open account at the supplier's bank, usually a typo or wrong number.	Double-check the account and routing numbers with the supplier, correct any error, and resubmit.
R04	Invalid Account Number Structure	The account number is not a valid format for the bank.	Fix the supplier's account number and resubmit.
R05	Unauthorized (Corporate SEC Code)	The receiving bank reports this payment was not authorized.	Do not resubmit yet. Confirm authorization with the supplier, then contact support.
R06	ODFI Requested Return	The payment was returned at the sending side's request, so it did not complete.	Contact support to confirm the reason before resubmitting.
R07	Authorization Revoked	The supplier revoked authorization for this payment.	Do not resubmit yet. Confirm with the supplier first.
R08	Payment Stopped	The supplier's bank placed a stop payment on this transaction.	Do not resubmit yet. Confirm with the supplier first.
R09	Uncollected Funds	The funds were not yet available to complete this payment. This is usually temporary.	Retry later or resubmit in a new batch.
R10	Not Authorized to Debit Account	The supplier's bank reports this payment was not authorized.	Do not resubmit yet. Confirm with the supplier first.
R11	Not in Accordance with Authorization Terms	The payment did not match what was authorized, often the amount or date.	Confirm the correct details with the supplier, correct them, and resubmit.
R12	Account Sold to Another Bank	The supplier's account moved to a different bank.	Confirm the supplier's current account details, update them, and resubmit.
R13	Invalid Routing Number	The routing number for the supplier's account is invalid, usually a data-entry error.	Correct the supplier's bank details and resubmit. Confirm it is the ACH routing number, not the wire routing number.
R16	Account Frozen / OFAC	The receiving bank could not accept this payment.	Do not resubmit. Contact support so we can look into it.
R20	Non-Transaction Account	The supplier's account cannot accept ACH payments (for example, certain savings or loan accounts).	Confirm an ACH-eligible account with the supplier, update it, and resubmit.
R23	Credit Refused by Receiver	The supplier refused this payment, for example a wrong amount or a duplicate.	Do not resubmit yet. Confirm with the supplier first.
R24	Duplicate Entry	The bank flagged this as a duplicate payment.	Check whether the supplier was already paid before resubmitting, so you do not pay twice.
R28	Routing Number Check Digit Error	The routing number failed its validation check, usually a typo.	Correct the supplier's routing number and resubmit.
R29	Corporate Customer Not Authorized	The supplier (a business) reports this payment was not authorized.	Do not resubmit yet. Confirm authorization with the supplier first.

Do not see your code here?

This list covers the codes most commonly seen with Prendio Payments. Rarer codes follow the same principle: the payment was returned during processing and no funds were sent. If you receive a code that is not listed, or a payment keeps failing after you have corrected the details, contact Prendio Support with the Payment number, Payment Batch number, and supplier name.