EFT Rejects & Returns - Canada

When an eCheck transaction or a disbursement is processed in Payrix, this will be sent out as an EFT transaction. In the event that this transaction/disbursement is returned by the receiving bank, the system may trigger an automated hold based on the response received.

How to find EFT Reject and Return Codes

Step 1: Dashboard → Merchants

Step 2: Click on the desired Merchant to be taken to the Merchant Overview Page

Step 3: Click on Withdrawals tab from the Account Overview sub-menu on the bottom left of the Merchant Overview page.

Step 4: Click on a returned transaction from the Withdrawal Returns or Withdrawal History sections.

Step 5: Under the Alerts section, you will see message and an EFT Return code under the Message column.

See the list of EFT Return Codes below.

EFT Return Codes

Return Reason Codes R901 or R908 are eligible for redeposit. Similarly, Code R900-xx are ‘Edit’ rejects, which you can resubmit with corrected information.

For Bank Accounts Placed on Hold As A Result of a Return

Please review the the following categories for next steps.

The returns are separated into three categories: NSF, BAD ACCOUNT, AND UNAUTHORIZED. A separate action is taken per category:

• NSF: The system will not place a hold. Future transactions are permitted.

• BAD ACCOUNT: A block is placed on the account. The merchant will need to provide a new bank account

• UNAUTHORIZED: A block is placed on the account. A bank letter needs to be provided via Support Ticket indicating that the bank has whitelisted the funding ID in order to lift the block on the account.

Due to NACHA regulations Support is unable to lift blocks without bank letter consent for both debits and credits

If the reject falls under BAD ACCOUNT and UNAUTHORIZED, the merchant will need to provide:

• a request to their bank whitelisting the (below) funding IDs and;

• a request for a letter from their bank to Support stating Payrix is allowed to credit and debit the account.

Once this is completed, submit a Support Ticket for the hold to be lifted with the bank letter attached.

Worldpay Funding IDs

Send the following funding IDs to your bank in order to have whitelist EFT payouts to your account:

• 1310281170 (Fifth Third Bank-Direct)

• 1043575881