If you received an ACH return code and are not sure why the payment didn’t go through, this quick guide to the most common ACH return codes can help. Here’s what that ACH code could mean:
Common ACH return codes (and what to do about them)
R01 / Insufficient funds: The customer’s bank account does not have sufficient funds to complete the ACH transaction. In PaySimple, you’ll see this displayed as “Returned NSF”.
- What to do: You could try the transaction again two more times within 30 days of the original authorization date. (If you want transactions to automatically re-submit when this happens, we can help you configure your account to do that.) You may want to request a different form of payment from the customer, or agree on a date when funds will again be available so that you can manually re-submit the transaction.
R02 / Account closed: The customer’s bank account is now closed, so this and future ACH payment attempts will not go through.
- What to do: Contact your customer to request a different payment method or to set up the ACH payment using their new bank account information.
R03 / No account, unable to locate account: This means that the account number or routing number you entered does not match the customer name, or that this is not an existing account. This may be due to a simple typo or miscommunication with the customer.
- What to do: Check the routing number, account number, and customer name carefully to make sure they are correct. You may need to contact your customer to confirm this information or ask them for a voided check so you can confirm it yourself. You can then submit a new payment with the correct information.
R04 / Invalid account number: Either the bank account number or routing number that you’ve entered isn’t correct, possibly because you didn’t enter the right number of digits or it didn’t pass the check digit validation.
- What to do: Check the routing number and account number carefully to make sure they are correct. If necessary, contact the customer to confirm the exact routing and bank account number, or ask them for a voided check so you can confirm it yourself. You can then submit a new payment with the correct information.
R20 / Non-transaction account: The bank account you’ve entered does not allow ACH payments.
- What to do: Contact your customer set up a different bank account for ACH transactions, and make sure that account is enabled for ACH. If that’s not possible, you can request a different form of payment.
Couldn’t find your ACH code on this list of common ACH return codes? If you’re still having difficulty, our Customer Care team will be happy to help you at any time.