R22

What Is ACH Return Code R22?

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 R22, also known as "Invalid Individual ID Number," is a standardized code used in Automated Clearing House (ACH) transactions. This code is employed to indicate that the individual identification number provided in the ACH entry is invalid or incorrect. This return code is generally caused by errors, outdated individual identification numbers, or the use of an incorrect identification number for the particular transaction.

How To Address ACH Return Code R22

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 you have incorrectly inputted the individual identification number for this customer, the bank would return the transaction with code R22. The RDFI must return the transaction with code R22 within 2 banking days.

If you encounter R22, you can try the following to address is:

• Double check your transaction for errors and, if found, correct and then attempt the transaction again
• Contact your customer to find out if there is an error in the individual ID number that you are using or to obtain an alternate form of payment, if necessary

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.