ACH Testing

Response code reference for ACH.

Returned check codes

Number checks for status change on all OPEN ACH transactions daily. Once we detect a status change, we send a report to the merchant. The report shows settled and/or returned checks.

Returned checks will show the below mentioned codes. Below table shows how to generate the return codes using the specified routing and account number in the testing environment.

Code	Code description	Routing	Account number
R01	Insufficient funds	021000021	1234 5678 9012 3451
R09	Insufficient collected funds in account	021000021	1234 5678 9012 3452
R09	Insufficient collected funds in account	021000021	1234 5678 9012 3453
R02	Receiver's account is closed	021000021	1234 5678 9012 3454
R03	No account on file	021000021	1234 5678 9012 3455
R05	Unauthorized CCD	021000021	1234 5678 9012 3456
R07	ACH authorization has been revoked	021000021	1234 5678 9012 3457
L04	Refer to Maker ICL	021000021	1234 5678 9012 3458
L09	Unauthorized ICL	021000021	1234 5678 9012 3459
R01	Insufficient Funds	122000661	1234 5678 9012 3450
R09	Insufficient collected funds in account	122000661	1234 5678 9012 3451
R02	Receiver's account is closed	122000661	1234 5678 9012 3452
R05	Unauthorized CCD	122000661	1234 5678 9012 3453
L04	Refer to Maker ICL	122000661	1234 5678 9012 3454
L09	Unauthorized ICL	122000661	1234 5678 9012 3455
C01	Account number	122000661	1234 5678 9012 3456
R08	Payment on this item has been stopped	122000661	1234 5678 9012 3457
R01	Insufficient Funds	122000661	1234 5678 9012 3458
C03	Transit/Routing Number & Account Number	122000661	1234 5678 9012 3459
R01	Insufficient Funds	011100106	1234 5678 9012 3450
R09	Insufficient collected funds in account	011100106	1234 5678 9012 3451
R02	Receiver's account is closed	011100106	1234 5678 9012 3452
R05	Unauthorized CCD	011100106	1234 5678 9012 3453
L04	Refer to Maker ICL	011100106	1234 5678 9012 3454
L09	Unauthorized ICL	011100106	1234 5678 9012 3455
C01	Account number	011100106	1234 5678 9012 3456
R08	Payment on this item has been stopped	011100106	1234 5678 9012 3457
R01	Insufficient Funds	011100106	1234 5678 9012 3458
C03	Transit/Routing Number & Account Number	011100106	1234 5678 9012 3459

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Complete list of return codes

Below you'll find a reference list to every possible return code value.

Return Description	Return Code
Incorrect bank account number	C01
Incorrect transit/routing number	C02
Incorrect transit/routing number and bank account number	C03
Bank account name change	C04
Incorrect payment code	C05
Incorrect bank account number and transit code	C06
Incorrect transit/routing number, bank account number and payment code	C07
Incorrect individual ID number	C09
Incorrect company name	C10
Incorrect company identification	C11
Incorrect company name and company ID	C12
Fraudulent ICL	L06
ICL Hold	L07
ICL Other	L08
Unauthorized ICL	L09
Non-Negotiable Item	L88
Other	L99
Insufficient funds	R01
Receiver's account is closed	R02
No account on file	R03
Invalid account number	R04
Unauthorized CCD	R05
Returned at bank's request	R06
ACH authorization has been revoked	R07
Payment on this item has been stopped	R08
Insufficient collected funds in account	R09
Customer advises not authorized	R10
Check truncation return (specify)	R11
Branch sold to another financial institution	R12
RDFI is not an ACH member(If this was a check by p	R13
Representative payee deceased or no longer able to	R14
Beneficiary or account holder other than represent	R15
Account funds have been frozen	R16
Item returned because of invalid data	R17
Improper effective date	R18
Amount field error	R19
Non-transaction account	R20
Invalid company identification	R21
Invalid individual ID number	R22
Payment refused by biller	R23
Duplicate entry	R24
Addenda record error	R25
Mandatory field error	R26
Trace number error	R27
Routing/transit number check digit error	R28
Corporate customer advises not authorized	R29
Receiver not participant in check truncation program	R30
Permissible return entry	R31
RDFI non-settlement	R32
Return of item	R33
Limited participation ODFI	R34
Return of improper debit entry	R35
Return of improper credit entry	R36
Source Presented for Payment	R37
Stop payment on source document	R38
Improper Source Document	R39
Return of item by government agency	R40
Invalid tansaction code	R41
Routing/transit number check digit error	R42
Invalid account number	R43
Invalid individual ID	R44
Invalid individual name or company name	R45
Invalid representative payee indicator code	R46
Duplicate enrollment	R47
Reserved	R49
State law affecting RCK acceptance	R50
Item is ineligible	R51
Stop payment on item	R52
Item and A.C.H. Entry Presented for Payment	R53
Misrouted return	R61
Incorrect trace number	R62
Incorrect dollar amount	R63
Incorrect individual identification	R64
Incorrect tranaction code	R65
Incorrect company identification	R66
Duplicate return	R67
Untimely return	R68
Multiple error return - return contains multiple errors	R69
Permissible return entry not accepted	R70
Misrouted dishonored return	R71
Untimely return	R72
Timely original return	R73
Corrected return	R74
Cross-border payment coding error	R80
Non-participant in cross-border program	R81
Invalid foreign receiving depository financial institution	R82
Foreign receiving depository financial institution	R83
Indicates a returned PAC (pre-authorized check)	R98
Indicates a returned PAC (pre-authorized check)	R99
Other	RCC