---
title: "ACH Return Simulator"
slug: "ach-return-simulator"
updated: 2026-01-16T22:00:03Z
published: 2026-01-16T22:00:03Z
---

> ## Documentation Index
> Fetch the complete documentation index at: https://resource.payrix.com/llms.txt
> Use this file to discover all available pages before exploring further.

# ACH Return Simulator

You can simulate ACH returns to troubleshoot eCheck payment failures with realistic responses. These simulators prepare you for handling potential errors in the Sandbox before going live. By simulating errors and edge cases, you can prepare for real-world scenarios and ensure your system responds appropriately.

## Get Started

Each simulator is triggered by entering a specific transaction amount. These amounts simulate different error responses, such as insufficient funds or expired cards.

To activate the ACH Return simulator, always use the following test account data:

- **Account Number:** Any 10-digit account number
- **Routing Number:** Any valid routing number

> [!WARNING]
> Important!
> 
> ACH Return simulators are only supported on the Vantiv platform and cannot be triggered using VCore.

## Activate ACH Return Simulators

Trigger each simulator by entering a specific test transaction amount. Enter the associated trigger amount to simulate the platform error using the following Portal methods:

- [Create Payments](/docs/portal-quick-charge-and-create-payment#create-payment)
- [Quick Charge](/docs/portal-quick-charge-and-create-payment#quick-charge)
- [Invoice](/docs/invoicing)
- [Payment Page](/docs/use-case-create-a-static-payment-page)

These values simulate different ACH return error response outcomes from the Vantiv platform:

| **Trigger****Amount** | **ACH Return Code** | **Platform Message (Code Description)** |
| --- | --- | --- |
| $101.08 | R01 | Insufficient Funds |
| $102.08 | R02 | Account closed |
| $103.08 | R03 | Unable to locate account or no account |
| $104.08 | R04 | Invalid account number |
| $105.08 | R05 | Unauthorized debit to consumer account using Corporate SEC code |
| $106.08 | R06 | Returned due to ODFI’s request |
| $107.08 | R07 | Authorization revoked by customer |
| $108.08 | R08 | Payment stopped |
| $109.08 | R09 | Uncollected funds |
| $110.08 | R10 | Customer advisees unauthorized, improper, ineligible, or part of an incomplete transaction |
| $111.08 | R11 | Check Truncation Entry Return |
| $112.08 | R12 | Branch sold to another DFI |
| $113.08 | R13 | Invalid ACH routing number |
| $114.08 | R14 | Representative payee deceased or unable to continue in that capacity |
| $115.08 | R15 | Beneficiary or account holder deceased |
| $116.08 | R16 | Account frozen/entry returned per OFAC instruction |
| $117.08 | R17 | File record edit criteria |
| $118.08 | R18 | Improper effective entry date |
| $119.08 | R19 | Amount field error |
| $120.08 | R20 | Non-Transaction account |
| $121.08 | R21 | Invalid company identification |
| $122.08 | R22 | Invalid individual ID number |
| $123.08 | R23 | Credit entry refused by the receiver |
| $124.08 | R24 | Duplicate entry |
| $125.08 | R25 | Addenda error |
| $126.08 | R26 | Mandatory field error |
| $127.08 | R27 | Trace number error |
| $128.08 | R28 | Routing number check digit error |
| $129.08 | R29 | Corporate customer advises not authorized |
| $130.08 | R30 | RDFI not a participant in check truncation program |
| $131.08 | R31 | Permissible return entry |
| $132.08 | R32 | RDFI non-settlement |
| $133.08 | R33 | Return of XCK entry |
| $134.08 | R34 | Limited participation DFI |
| $135.08 | R35 | Return of improper debit entry |
| $136.08 | R36 | Return of improper credit entry |
| $137.08 | R37 | Source document presented for payment |
| $138.08 | R38 | Stop payment on source document |

## Check Simulator Responses

When you trigger the ACH Return simulator, an artificial platform response is returned with a message explaining the reason. The Transaction Details page shows all simulated platform responses in the Alerts tab and eCheck return records in the ACH Return tab.

To find the platform transaction simulator response messages:

1. Select **Payment Returns**in the main side bar.
2. Select the relevant transaction to access the **Transaction Details** page.

The web portal offered by the Payrix Pro platform to accomplish tasks for their business through a web-based user interface rather than the API. The Payrix Pro portal contains general settings, payment processing options, reporting, fee settings, group assignments, user management, and much more.