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ACH Return Codes

R10

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.

ACH Return Code
R10
Definition
Originator not known and/or not authorized to Debit Receiver’s Account
Account Type
Consumer; Non-Consumer for ARC, BOC, IAT, or POP.
Time Frame
60 Calendar Days

What Is ACH Return Code R10?

ACH return codes are used to identify the reason an ACH payment has been returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures.

ACH Return Code R10, also known as “Originator not known and/or not authorized to Debit Receiver’s Account,” is a standard code used in Automated Clearing House (ACH) transactions. R10 indicates that the receiver of a debit entry claims the transaction was unauthorized. This return code can occur for various reasons, including fraud, error, or disputes with the originator of the transaction. The receiver may claim that they did not provide consent for the transaction, or they may dispute the legitimacy of the charge with their bank.

How To Address ACH Return Code R10

Nacha prescribes separate rules for handling each return code since each one represents a unique scenario. ODFIs (Originating Depository Financial Institutions) and RDFIs (Receiving Depository Financial Institutions) are responsible for handling ACH return codes according to these rules.

For example, if your business is attempting to initiate an ACH debit for $100, but your customer does not believe that you should be authorized to do so and has alerted their bank, the bank would return the transaction with code R10. The customer’s bank must return the transaction with code R10 within 60 calendar days.

If you encounter R10, the best way to address it is to immediately stop any recurring transactions for this customer’s account and then get in touch with your customer to understand why the transaction was not authorized.

What Is An ACH Return Code?

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. Each code begins with 'R' followed by a two digit number. ACH return codes are standardized and maintained by NACHA, the governing body for the ACH network.

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ACH Return Codes

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R01Insufficient Funds
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R02Account Closed
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R03No Bank Account/Unable to Locate Account
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R04Invalid Account Number
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R05Unauthorized Debit to Consumer Account Using Corporate SEC Code
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R06Returned per ODFI's Request
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R07Customer Revoked Authorization
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R08Payment Stopped
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R09Uncollected Funds
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R10Originator not known and/or not authorized to Debit Receiver’s Account
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R11Check Truncation Entry Return
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R12Branch Sold to Another DFI
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R13Invalid ACH Routing Number
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R14Representative Payee Deceased or Unable to Continue in That Capacity
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R15Beneficiary or Account Holder Deceased
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R16Account Frozen
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R17File Record Edit Criteria
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R18Improper Effective Entry Date
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R19Amount Field Error
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R20Non-Transaction Account
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R21Invalid Company Identification
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R22Invalid Individual ID Number
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R23Credit Entry Refused by Receiver
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R24Duplicate Entry
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R25Addenda Error
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R26Mandatory Field Error
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R27Trace Number Error
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R28Routing Number Check Digit Error
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R29Corporate Customer Advises Not Authorized
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R30Receiving DFI Not Participant in Check Truncation Program
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R31Permissible Return Entry (CCD and CTX only)
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R32RDFI Non-Settlement
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R33Return of XCK Entry
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R34Limited Participation DFI
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R35Improper Debit Entry
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R36Improper Credit Entry
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R37Source Document Presented for Payment
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R38Stop Payment on Source Document
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R39Improper Source Document
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R40Return of ENR Entry
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R41Invalid Transaction Code
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R42Routing Number/Check Digit Error
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R43Invalid DFI Account Number
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R44Invalid Individual ID Number or Identification Number
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R45Invalid Individual Name/Company Name
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R46Invalid Representative Payee Indicator
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R47Duplicate Enrollment
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R50State Law Affecting RCK Acceptance
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R51Item Related to RCK Entry Is Ineligible or RCK Entry Is Improper
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R52Stop Payment on Item Related to RCK Entry
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R53Item and RCK Entry Presented for Payment
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R61Misrouted Return
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R62Return of Erroneous or Reversing Debit
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R67Duplicate Return
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R68Untimely Return
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R69Field Error
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R70Permissible Return Not Accepted / Not Requested by ODFI
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R71Misrouted Dishonored Return
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R72Untimely Dishonored Return
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R73Timely Original Return
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R74Corrected Return
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R75Original Return Not a Duplicate
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R76No Errors Found
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R77Non-Acceptance of R62
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R80IAT Coding Error
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R81Non-Participant in IAT Program
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R82Invalid Foreign Receiving DFI Identification
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R83Foreign Receiving DFI Unable to Settle
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R84Not Processed by Gateway
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R85Incorrectly Coded Outbound International Payment
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