R82

What Is ACH Return Code R82?

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 R82, also known as “Invalid Foreign Receiving DFI Identification," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that the reference identifying the foreign RDFI of an outbound IAT entry is invalid.

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.

For an IAT transaction, the reference number is a number used to identify the individual payment itself. If the reference number provided by the customer and the reference number you’ve entered on the IAT are not the same, it will trigger an R82.

How To Address ACH Return Code R82

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 R82, you will first want to confirm that the reference number provided by the customer and the reference number you’ve entered on the IAT indeed do not match. If so, then you can resolve R82 by resending the payment once you have corrected the reference number.

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.