Introduction
Automated Clearing House (ACH) return codes provide a standardized system for identifying issues in electronic payments. These codes are essential for understanding why a transaction failed and how to address it. This guide outlines the most common return codes, detailed descriptions, and appropriate responses for each.
Most Common ACH Return Codes (R01 - R10)
These are frequently encountered in day-to-day banking operations:
Less Common ACH Return Codes (R11 - R79)
While not as frequent, these codes indicate specific issues that require corrective action:
International ACH Return Codes (R80 - R85)
Specialized codes for cross-border ACH payments:
