Returns, Declines and Disputes
ACH Administrative Return
An ACH administrative return rejects an entry for account or technical reasons rather than an authorization dispute.
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Returns, Declines and Disputes Terms
ACH return codes, decline concepts, dispute stages, and related payment-exception vocabulary.
Educational information only. ShouldEye does not provide legal, banking, or individualized financial advice. Dispute rights, deadlines, and outcomes depend on your payment method, card network, issuer, processor, jurisdiction, and the facts of your case. Legal Disclaimers
29 published definitions in this topic.
Returns, Declines and Disputes
ACH Contested Dishonored Return
An ACH contested dishonored return is the RDFI’s response disputing an ODFI’s dishonored return.
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ACH Dishonored Return
An ACH dishonored return is the ODFI’s rejection of a prior return that it believes was improper or untimely.
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ACH Return
An ACH return is an ACH debit or credit sent back through the network with a return reason code.
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ACH Return Code
An ACH return code is a Nacha reason code (such as R01 or R10) explaining why an ACH entry was returned.
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ACH Unauthorized Debit
An ACH unauthorized debit is a pull from a bank account that the receiver says was not properly authorized.
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Duplicate Processing
Duplicate processing is a claim that the same payment was cleared more than once in error.
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Incorrect Transaction Amount
Incorrect transaction amount is a dispute claim that the charged amount differs from what was authorized or agreed.
Read full definitionReturns, Declines and DisputesR01
R01 Insufficient Funds
R01 means the ACH debit was returned because the available balance was not sufficient.
Read full definitionReturns, Declines and DisputesR02
R02 Account Closed
R02 means the ACH entry was returned because the receiver’s account is closed.
Read full definitionReturns, Declines and DisputesR03
R03 No Account / Unable to Locate Account
R03 means the RDFI could not locate an account matching the entry’s account number.
Read full definitionReturns, Declines and DisputesR04
R04 Invalid Account Number
R04 means the account number structure is invalid and the entry cannot be posted.
Read full definitionReturns, Declines and DisputesR05
R05 Unauthorized Debit to Consumer Account Using Corporate SEC Code
R05 covers an unauthorized debit to a consumer account that used a corporate SEC code.
Read full definitionReturns, Declines and DisputesR06
R06 Returned per ODFI Request
R06 means the RDFI returned the entry at the ODFI’s request.
Read full definitionReturns, Declines and DisputesR07
R07 Authorization Revoked by Customer
R07 means the consumer revoked the authorization previously given to the originator.
Read full definitionReturns, Declines and DisputesR08
R08 Payment Stopped
R08 means the receiver placed a stop payment on the ACH debit.
Read full definitionReturns, Declines and DisputesR09
R09 Uncollected Funds
R09 means sufficient ledger balance existed but collected/available funds did not.
Read full definitionReturns, Declines and DisputesR10
R10 Customer Advises Originator Not Known or Not Authorized
R10 is Nacha’s unauthorized return where the customer advises the originator is not known and/or not authorized to debit.
Read full definitionReturns, Declines and DisputesR11
R11 Entry Not in Accordance with Authorization
R11 covers entries the customer says do not match the terms of an otherwise known authorization.
Read full definitionReturns, Declines and DisputesR16
R16 Account Frozen
R16 means access to the account is restricted/frozen so the entry cannot be posted.
Read full definitionReturns, Declines and DisputesR20
R20 Non-Transaction Account
R20 means the account policies do not allow the ACH transaction type presented.
Read full definitionReturns, Declines and DisputesR23
R23 Credit Entry Refused by Receiver
R23 means the receiver refused an ACH credit entry.
Read full definitionReturns, Declines and DisputesR29
R29 Corporate Customer Advises Not Authorized
R29 is the corporate unauthorized advice return for business account debits.
Read full definitionReturns, Declines and DisputesR31
R31 Permissible Return Entry
R31 is a permissible return used in certain CCD/CTX corporate return scenarios under Nacha rules.
Read full definitionReturns, Declines and DisputesR51
R51 Item Related to Ineligible Account
R51 relates to an RCK (re-presented check) entry tied to an ineligible item/account situation.
Read full definitionReturns, Declines and DisputesR52
R52 Stop Payment on Item
R52 means a stop payment applies to the underlying item in an RCK re-presentment context.
Read full definitionReturns, Declines and DisputesR53
R53 Item and ACH Entry Presented for Payment
R53 means both the original item and an ACH entry were presented for payment in an RCK scenario.
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Rebilling
Rebilling is charging a customer again after a refund, dispute, or failed payment—sometimes legitimate, sometimes abusive.
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Unrecognized Transaction
An unrecognized transaction is a payment the cardholder cannot identify—not automatically proven fraud.
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