R80

What Is ACH Return Code R80?

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 R80, also known as “IAT Coding Error," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that there is an issue with the coding on an IAT transaction.

An IAT (International ACH Transaction) is a specific type of ACH (Automated Clearing House) transaction used for cross-border payments involving accounts held at financial institutions outside the United States. The IAT format allows for the electronic transfer of funds internationally, providing a standardized and efficient means for processing cross-border payments.

In this case the IAT is being returned because of an error in one or more of the following:

• Invalid DFI/Bank Branch Country Code
• Invalid DFI/Bank Identification Number Qualifier
• Invalid Foreign Exchange Indicator
• Invalid ISO Originating Currency Code
• Invalid ISO Destination Currency Code
• Invalid ISO Destination Country Code
• Invalid Transaction Type Code

How To Address ACH Return Code R80

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 R80, the best course of action is to contact the RDFI to find out the issue that caused you to receive this code and work with them to resolve the 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.