ACH Return Codes Explained

R-Codes (Bank Returns)

R codes are return codes directly from the bank indicating a payment is rejected.

The most common R codes:

Code	Reason
R01	Insufficient Funds
R02	Account Closed
R03	No Account/Unable to Locate
R04	Invalid Account Number
R09	Uncollected Funds
R16	Account Frozen
R20	Non-transactional Account

Chargeback R-Codes (less common, higher fees):

Code	Reason
R05	Unauthorized Debit to Consumers Account
R06	Returned per ODFI’s Request
R07	Authorization Revoked
R08	Stop Payment
R10	No Authorization
R29	Corporate Not Authorized
R51	RCK Entry: Related Item Ineligible/Entry Improper

X-Codes (Vendor Blocks)

These codes indicate a repeat failure that was blocked before reaching the bank. X-codes match prior R-codes (ex: R01 → X01) but get stopped at the ACH vendor level which prevents duplicate bank returns.

Example: First failure = R01 (Insufficient Funds).
Next attempt = X01 (same issue, auto-blocked).

C-Codes (Corrections)

Payment funded, but account info wrong—fix for next payment.

Code	Fix This
C01	Incorrect Account Number
C02	Incorrect Routing Number
C03	Both Account + Routing Incorrect
C04	Incorrect Account Name
C05	Incorrect Transaction Code

ACH Return Codes in Reporting

Transaction Reports include ACH return codes where relevant. For example, you can view codes on the transaction's details page and within the check posting's exception report.

Transaction Details

On the details page for the transaction, scroll to the Transaction Status table to view the code details.

Check Posting: Exception Report

To pull a report of all exceptions, navigate to Reporting > Check Posting > Exeption and search for the appropriate date range to view a list of payments with return codes.

Need Help?

Email our Customer Success team at support@pdcflow.com.