R75

What Is ACH Return Code R75?

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 R75, also known as “Original Return Not a Duplicate," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that the original return is not actually a duplicate of an entry previously returned by the RDFI—this code is generally used by the RDFI to contest an entry dishonored by the ODFI using R67. The ODFI must transmit a return for R75 within 5 banking days.

How To Address ACH Return Code R75

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 R75, the best course of action is to wait for the RDFI to handle the return. However, if you continue to encounter an R75 or significant time has passed with no update from the RDFI, you should reach out to them directly to see what can be done to resolve this return code.

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.