R84

What Is ACH Return Code R84?

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 R84, also known as “Not Processed by Gateway," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that the transaction can not be processed by the RDFI.

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 the case of R84, there are two main reasons why the payment may be returned:

1. Processing the IAT transaction could put the gateway operator at serious risk
2. The foreign payment system doesn’t support the necessary functions to process this type of transaction

How To Address ACH Return Code R84

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 R84, you will need to reach out to the RDFI to get more information about why the transaction was not processed. From there, you can make a decision about how and when to attempt 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.