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Bank Payment Return Codes

Please note that Helcim Bank Payments are currently in beta and are only available to small number of accounts. The Helcim Team will be in touch when the feature is released to all merchants.

If your bank payment is returned, meaning it was unsuccessful and the payment was unable to be processed, you will receive an email notifying you of the return. The email will provide a return code as well as a general explanation of why the payment was returned and how you can respond and keep the payment process moving forward.

Each return code has an official description from the banking network that can provide additional detail and understanding on why the payment failed. Below you will find a list of the return codes for bank payments in both Canada and the US.


US Return Codes

Return Code Code Description Additional Details
R01 Insufficient Funds The available and/or cash reserve balance is not sufficient to cover the payment request.
R02 Account Closed The bank account has been closed.
R03 No Account or Unable to Locate The bank account appears to be valid but does not correspond to the individual identified in the payment request or the account number designated is not an open account.
R04 Invalid Account Number The bank number account structure is not valid - may contain an incorrect number of digits.
R05 Unauthorized Debit to Consumer Account This bank payment is not authorized by the customer.
R06 Returned per ODFIs Request The bank of the merchant initiating payment has requested a return as erroneous.
R07 Authorization Revoked by Customer The customer who previously authorized payments from their account has now revoked this authorization.
R08 Payment Stopped The customer has placed a stop payment order on this payment which may be placed on one or more payment requests.
R09 Uncollected Funds Although the ledger balance of the account indicates sufficient funds to cover the payment request, the available balance is not sufficient.
R10 Customer Advises Not Authorized, Improper, or Ineligible This bank payment is not authorized by the customer.
R11 Check Truncation Entry Returned No other return reason is applicable. Please reconfirm bank details with the customer
R12 Account Sold to Another DFI Please reconfirm bank details with customer - this account may have been moved to another financial institution
R13 Invalid ACH Routing Number Please reconfirm bank details with customer - invalid ACH routing number
R14 Representative Payee Deceased or Unable to Continue in that Capacity Representative payee is deceased
R15 Beneficiary or Account Holder (Other than a Representative Payee) Deceased or Unable to Continue in that Capacity Beneficiary or account holder is deceased
R16 Account Frozen/Entry returned per OFAC instruction Access to this account has been frozen by either the customer’s bank, legal action or OFAC.
R17 File Record Edit Criteria (Fields can’t be processed by RDFI) Information in the bank payment request can’t be processed by the customer's bank.
R18 Improper Effective Entry Date (The effective entry date for a credit entry is more than two banking days after the banking day of processing as established by the originating ACH operator or the effective date is after the window of processing.) Issue with date of payment - please try again
R19 Amount Field Error Amount field is non-numeric, zero, or exceeding $25,000
R20 Non-Transaction Account Payment request was sent to a non-transaction account (where transactions are limited or prohibited).
R21 Invalid Company Identification CIE Please reconfirm bank details with customer
R22 Invalid Individual ID Number Please reconfirm bank details with customer
R23 Credit Refused by Receiver Bank payment not authorized
R24 Duplicate Entry Duplicate Entry
R25 Addenda Error Addenda record indicator value is incorrect, with code invalid, out of sequence, or missing.
R26 Mandatory Field Error Erroneous data or missing data in a mandatory field
R27 Trace Number Error Original entry trace number is not present or does not correspond correctly in the addenda record on a return or notification of change entry.
R28 Routing Number Check Digit Please reconfirm bank details with customer - invalid routing number
R29 Corporate Customer Advises Not Authorized CCD Bank payment not authorized
R30 RDFI Not Participant in Check Truncation Please reconfirm bank details with customer
R31 Permissible Return Entry – CCD or CTX entry that the ODFI agrees to accept Please reconfirm bank details with customer
R32 RDFI Non-settlement Customer’s bank is not able to settle the payment request
R33 Return of XCK entry Please reconfirm bank details with customer
R34 Limited Participation DFI Customer’s bank participation in ACH has been limited by federal or state supervisor.
R35 Return of improper Debit entry Payments not permitted from requested account.
R36 Return of Improper Credit entry Please reconfirm bank details with customer
R37 Source Document Presented for Payment ARC Please reconfirm bank details with customer

Less Common US Return Codes

The following return codes are less common but we have included them for your reference.

Return Code Code Description
R38 Stop Payment on Source Document ARC
R39 Improper Source Document ARC
R40 Return of ENR Entry by Federal Govt
R50 State law Affecting RCK
R51 Item related to RCK Entry is Ineligible or RCK Entry is Improper
R52 Stop Payment on Item Related to RCK Entry
R53 Item and RCK Entry presented for Payment
R61 Misrouted Return
R62 Return of Erroneous or Reversing Debit --OR-- Incorrect Trace Number
R63 Incorrect Dollar Amount
R64 Incorrect Individual Identification
R65 Incorrect Transaction Code
R66 Incorrect Company Identification
R67 Duplicate Return
R68 Untimely Return
R69 Field Error --OR-- Multiple Errors
R70 Permissible Return Entry Not Accepted
R71 Permissible Return Entry Not Accepted
R72 Untimely Dishonored Return
R73 Timely Original Return
R74 Corrected Return
R75 Return Not a Duplicate
R76 No Errors Found
R77 Non Acceptance of R62 Dishonored Return
R80 IAT Entry Coding Error
R81 Non-Participant in IAT Program
R82 Invalid Foreign RDFI Identification
R83 Foreign RDFI Unable to Settle
R84 Entry Not Processed by Gateway
R85 Incorrectly Coded Outbound International Payment

Canada Return Codes

Return Code Code Description Additional Details
900 Edit Reject Please reconfirm bank details with customer
901 NSF The available and/or cash reserve balance is not sufficient to cover the payment request.
902 Account not found The bank account appears to be valid but does not correspond to the individual identified in the payment request or the account number designated is not an open account.
903 Payment stopped/Recalled The customer has placed a stop payment order on this payment.
905 Account closed The bank account has been closed
907 No Debit allowed This payment is not authorized
908 Funds not cleared Although the ledger balance of the account indicates sufficient funds to cover the payment request, the available balance is not sufficient.
909 Currency/account mismatch The payment request is not in the same currency as the bank account
910 Payor/Payee Deceased The payor is deceased
911 Account Frozen This bank account is frozen
912 Invalid/incorrect account number Please reconfirm bank details with the customer
914 Incorrect Payor/Payee Name Please reconfirm bank details with customer
915 No agreement existed - Business/Personal The customer does not believe they have authorized this payment request through the Pre-Authorized Debit Agreement. Contact customer.
916 Not in accordance with agreement - Personal The customer does not believe they have authorized this payment request through the Pre-Authorized Debit Agreement. Contact customer.
917 Agreement revoked - Personal The customer who previously authorized payments from their account has now revoked this authorization.
918 No Confirmation/pre-notification - Personal The customer does not believe they were given confirmation or pre-notification of this payment request. Contact customer.
919 Not in accordance with agreement - Business The customer does not believe they have authorized this payment request through the Pre-Authorized Debit Agreement. Contact customer.
920 Agreement revoked - Business The customer who previously authorized payments from their account has now revoked this authorization.
921 No Confirmation/pre-notification - Business The customer does not believe they were given confirmation or pre-notification of this payment request. Contact customer.
922 Customer initiated Return Credit Only This bank payment is not authorized
990 Institution in Default Please reconfirm bank details with the customer

Related Articles

Getting Started with Helcim Bank Payments (ACH or PAD Payments)
Bank Payment Rules for Canadian Merchants
Invoices and Helcim Bank Payments
Using Bank Payments with Recurring Invoicing
Using Bank Payments with Subscription Management
Using the Virtual Terminal for Bank Payments
Adding a Bank Account to a Customer Profile
Sending Payment Requests with Bank Payments
How to turn off Helcim Bank Payments in Your Account
What to do if a Bank Payment is Returned
Bank Payment Transaction Statuses

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