Handle Disbursement Rejects and Returns

When an eCheck transaction or a disbursement is processed in Payrix Pro, this will be sent out as an ACH transaction. If this transaction or disbursement is returned by the receiving bank, the system might trigger an automated hold based on the response received.

Due to NACHA regulations, Payrix Pro Support is unable to lift blocks without bank letter consent for both debits and credits if your first attempt to whitelist is unsuccessful.

The following sections describe how to find and interpret the return code for a disbursement reject and the steps to address the return.

Find a Disbursement Reject and Return Code

Select Merchants under Management in the main side bar.
Select the merchant to access their Merchant Profile page.
Select Withdrawals in the page side bar.
Select a listed disbursement with a status of Returned to view its Withdrawal Details page.
View the following information in the Alerts section:
- Created: The time of the return
- Code: The type of decline
- Message: The supporting reason or explanation

The following table provides a complete list of disbursement (ACH) return codes:

Code	Category	Description	Auto Block	Removable Block	Applies to Affected Merchant Only	Applies Platform Wide
R01	NSF	Insufficient funds in account	No	Yes
R02	BADACCOUNT	Account is closed	Yes	No		Yes
R03	BADACCOUNT	No account on file	Yes	No		Yes
R04	BADACCOUNT	Invalid account number	Yes	No		Yes
R05	UNAUTHORIZED	Unauthorized debit to consumer account	Yes	Yes	Yes
R06	UNAUTHORIZED	Returned at request of ODFI	Yes	Yes	Yes
R07	UNAUTHORIZED	Authorization revoked by customer	Yes	Yes	Yes
R08	UNAUTHORIZED	Payment stopped	Yes	Yes	Yes
R09	NSF	Insufficient collected funds in account being charged	No
R10	UNAUTHORIZED	Customer advises not Authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document	Yes	Yes	Yes
R11	BADACCOUNT	Check truncation return	Yes	No		Yes
R12	BADACCOUNT	Account sold to another financial institution	Yes	No		Yes
R13	BADACCOUNT	Invalid ACH routing number	Yes	No		Yes
R14	UNAUTHORIZED	Representative payee is deceased or cannot continue in that capacity	Yes	Yes	Yes
R15	UNAUTHORIZED	Beneficiary or account holder other than representative payee deceased	Yes	Yes	Yes
R16	UNAUTHORIZED	Account funds have been frozen	Yes	Yes	Yes
R17	BADACCOUNT	Item returned because of invalid data; refer to addenda for information	Yes	No		Yes
R18	GENERAL	Improper effective date	No
R19	GENERAL	Amount error	No
R20	UNAUTHORIZED	Account does not allow ACH transactions or limit for transactions has been exceeded	Yes	Yes	Yes
R21	BADACCOUNT	Invalid company identification	Yes	No		Yes
R22	BADACCOUNT	Invalid individual ID	Yes	No		Yes
R23	UNAUTHORIZED	Credit entry refused by receiver	Yes	Yes	Yes
R24	GENERAL	Duplicate entry	No
R25	BADACCOUNT	Addenda record error	Yes	No		Yes
R26	BADACCOUNT	Mandatory field error	Yes	No		Yes
R27	BADACCOUNT	Trace number error	Yes	No		Yes
R28	BADACCOUNT	Routing/transit number check digit error	Yes	No		Yes
R29	UNAUTHORIZED	Corporate customer advised not authorized	Yes	Yes	Yes
R30	GENERAL	RDFI not participant in check truncation program	No
R31	UNAUTHORIZED	Permissible return entry	Yes	Yes	Yes
R32	GENERAL	RDFI non-settlement	No
R33	UNAUTHORIZED	Return of item	Yes	Yes	Yes
R34	GENERAL	Limited participation ODFI	No
R35	GENERAL	Return of improper debit entry	No
R36	GENERAL	Return of improper credit entry	No
R37	GENERAL	Source document presented for payment	No
R38	GENERAL	Stop payment on source document	No
R39	BADACCOUNT	Improper source document	Yes	No		Yes
R40	UNAUTHORIZED	Return of item by government agency	Yes	Yes	Yes
R41	BADACCOUNT	Invalid Transaction Code	Yes	No		Yes
R42	BADACCOUNT	Routing/transit number check digit error	Yes	No		Yes
R43	BADACCOUNT	Invalid account number	Yes	No		Yes
R44	BADACCOUNT	Invalid individual ID	Yes	No		Yes
R45	BADACCOUNT	Invalid individual name or company name	Yes	No		Yes
R46	BADACCOUNT	Invalid representative payee indicator code	Yes	No		Yes
R47	BADACCOUNT	Duplicate enrollment	Yes	No		Yes
R50	GENERAL	State law affecting RCK acceptance	No
R51	UNAUTHORIZED	Item is ineligible, notice not provided, signature not genuine, or original item altered for adjustment entry	Yes	Yes	Yes
R52	UNAUTHORIZED	Stop payment on item	Yes	Yes	Yes
R53	GENERAL	Item and ACH entry presented for payment	No
R61	GENERAL	Misrouted return - RDFI for original entry has placed incorrect routing/transit number in RDFI identification field	No
R62	GENERAL	Incorrect trace number	No
R63	GENERAL	Incorrect dollar amount	No
R64	GENERAL	Incorrect individual identification	No
R65	GENERAL	Incorrect transaction code	No
R66	GENERAL	Incorrect company identification	No
R67	GENERAL	Duplicate return	No
R68	BADACCOUNT	Untimely return - return was not sent within the established timeframe	Yes	No		Yes
R69	BADACCOUNT	Field errors	Yes	No		Yes
R70	UNAUTHORIZED	Permissible return entry not accepted	Yes	Yes	Yes
R71	BADACCOUNT	Misrouted dishonored return -incorrect routing/transit number in RDFI identification field	Yes	No		Yes
R72	GENERAL	Untimely return - dishonored return was not sent within the established timeframe	No
R73	GENERAL	Timely original return - RDFI certifies the original return entry was sent within established timeframe for original returns	No
R74	GENERAL	Corrected return - RDFI is correcting a previous return entry that was dishonored because it contained incomplete or incorrect information	No
R75	GENERAL	Original return not a duplicate	No
R76	GENERAL	No errors found	No
R80	BADACCOUNT	Cross-border payment coding error	Yes	No		Yes
R81	GENERAL	Non-participant in cross-border program	No
R82	BADACCOUNT	Invalid foreign RDFI identification	Yes	No		Yes
R83	BADACCOUNT	Foreign RDFI unable to settle	Yes	No		Yes
R84	GENERAL	Cross-border entry not processed by originating gateway operator	No
R94	GENERAL	Administrative return item was processed and resubmitted as a photocopy	No
R95	GENERAL	Administrative return item was processed and resubmitted as an MICR-Split	No
R97	GENERAL	Administrative return item was processed and resubmitted with corrected dollar amount	No
R98	GENERAL	Indicates a return PAC (pre-authorized check); RDFI provides a text reason and indicated a new account number on the PAC itself	No
R99	GENERAL	Indicates a return PAC (pre-authorized check); RDFI provides a text reason on the PAC itself for which there is no equivalent return reason code	No

Request Lifts for Bank Accounts Placed on Hold

Returns are separated into three categories: NSF, BAD ACCOUNT, and UNAUTHORIZED.

To request a hold to be lifted:

Complete any actions listed in the Action Steps column from the table below.
Submit a Partner Services ticket with the bank letter attached.

The following table describes each return category and the required action, if any:

Return Category	Description	Action Steps
NSF	The system does not place a hold. Future transactions are permitted.	Not applicable
BAD ACCOUNT	A block is placed on the account. Due to this reject category type, the block can’t be removed. If there is an exception, the block takes up to an additional two business days to lift outside the initial Partner Services ticket submission. A bad account reject typically happens because the banking information on file is incorrect. We recommend validating that the correct banking information is on file prior to submitting a ticket. If the banking information is deemed incorrect, changing the bank account to the correct information will be an immediate release of the hold. Note: All bank changes might trigger an additional risk hold review.	The merchant needs to provide the following: Proof of banking information that matches the banking information on file. A letter from their issuing bank validating that the bank account no longer falls under the reject category that we received.
UNAUTHORIZED	A block is placed on this merchant's ability to use this bank account for debits or credits. This block can be lifted after Payrix Pro Support receives proper approvals to debit or credit the bank account.	The merchant needs to request the following from their issuing bank: Whitelist the following Worldpay funding IDs for disbursements (ACH payouts) to their account: 1310281170 (Fifth Third Bank-Direct) 1043575881 A letter to Payrix Pro Support authorizing account credit and debit.

Return Category

Description

Action Steps

NSF

The system does not place a hold. Future transactions are permitted.

Not applicable

BAD ACCOUNT

A block is placed on the account. Due to this reject category type, the block can’t be removed.

If there is an exception, the block takes up to an additional two business days to lift outside the initial Partner Services ticket submission.

A bad account reject typically happens because the banking information on file is incorrect. We recommend validating that the correct banking information is on file prior to submitting a ticket. If the banking information is deemed incorrect, changing the bank account to the correct information will be an immediate release of the hold.

Note: All bank changes might trigger an additional risk hold review.

The merchant needs to provide the following:

Proof of banking information that matches the banking information on file.
A letter from their issuing bank validating that the bank account no longer falls under the reject category that we received.

UNAUTHORIZED

A block is placed on this merchant's ability to use this bank account for debits or credits.

This block can be lifted after Payrix Pro Support receives proper approvals to debit or credit the bank account.

The merchant needs to request the following from their issuing bank:

Whitelist the following Worldpay funding IDs for disbursements (ACH payouts) to their account:
- 1310281170 (Fifth Third Bank-Direct)
- 1043575881
A letter to Payrix Pro Support authorizing account credit and debit.