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R28
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.
What Is ACH Return Code R28?
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 R28, also known as "Routing Number Check Digit Error," is a standard code used in Automated Clearing House (ACH) transactions. This code is used to indicate that the check digit for the routing number in the ACH entry is either incorrect or missing.
The check digit is the last digit of a routing number associated with an ACH transaction—the check digit is calculated based on the other 8 digits of the routing number and is used to verify the authenticity of a transaction. For a transaction returned with a check digit error, the RDFI must return the transaction with code R28 within the next file delivery time following processing.
How To Address ACH Return Code R28
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.
If you encounter R28, you should review the transaction details, verify the accuracy of the routing number and its associated check digit, and correct any errors before submitting the transaction again.
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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