R39

What Is ACH Return Code R39?

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 R39, also known as "Improper Source Document," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that an ACH transaction contains an improper source document (such as a paper check).

R39 can be triggered by a number of issues, including a source document that is ineligible for conversion to an electronic check or a source document that indicates that the bill relevant to this particular ACH transaction has already been paid. The RDFI must return the transaction with code R39 within 2 banking days.

How To Address ACH Return Code R39

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 R39, you will unfortunately need to wait for the associated banking institutions to resolve this issue between them. If you need immediate payment from your customer, you will need to reach out to them directly for an alternate form of payment.

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.