R32

What Is ACH Return Code R32?

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 R32, also known as "RDFI Non-Settlement," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates the return of an entry that, for some reason, was unable to be settled by the RDFI. The RDFI must return the transaction with code R32 within the next file delivery time following processing.

How To Address ACH Return Code R32

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 R32, you should reach out to the RDFI directly, to see what information they can provide you about the nature of the return, as this information will be essential to addressing the underlying issue before attempting 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.