Get Nacha Item Return Codes

An R10 ACH return code means an ACH payment was not authorized due to incorrect submission, ineligibility, or an incomplete transaction.

ACH return codes identify the reason an ACH payment was returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Contents. Each code begins with 'R' followed by a two digit number.

R15 – Beneficiary or Account Holder Deceased: Either the beneficiary or the account holder is deceased.

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.

R10 is defined as “Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver's Account” and will be used for: Receiver does not know the identity of the Originator. Receiver has no relationship with the Originator.

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 ...

ACH codes are widely used in banking procedures. An ACH Code stands for Automated Clearing House Code. It is a network used for electronic money transfers and electronic payments. ACH is a method of clearing credit and debit payments, and is quite popular in the US.

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.