The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry.
What to Do: You can try the transaction again (you will need to re-enter it as a new transaction) up to two times within 30 days of the original authorization date.

A previously active account has been closed by action of the customer or the RDFI.
What to Do: Contact your customer for a different bank account, or for another form of payment. If you have not yet shipped the goods or provided the services covered by the payment, you may want to wait to do so until you have confirmation of a settled payment.

The account number structure is valid and it passes the check digit validation, but the account number does not correspond to the individual identified in the entry, or the account number designated is not an open account.
What to Do: Contact your customer and confirm the Routing Number, Bank Account Number and the exact name on the bank account. (You can request a copy of a voided check so that you can verify.) If this information does not exactly match what you initially entered, make changes and submit a NEW payment.

The account number structure is not valid. The entry may fail the check digit validation or may contain an incorrect number of digits.
What to Do: Obtain the correct bank account number.(You can request a copy of a voided check so that you can verify.) Submit a NEW payment using the corrected bank account number.

Account number structure not valid: entry may fail check digit validation or may contain incorrect number of digits. * You cannot re-submit this transaction. Any additional transactions you attempt to process against this account will also be returned unless your customer specifically instructs his bank to accept them.
What to Do: Contact your customer and resolve any issues that caused the transaction to be disputed. You can ask the customer for a different form of payment, or ask to debit a different bank account. If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions. Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect.If this action is taken,please contact Tekcard Payments.

The ODFI has requested that the RDFI return the ACH entry. If the RDFI agrees to return the entry, the ODFI must indemnify the RDFI according to Article Five (Return, Adjustment, Correction, and Acknowledgment of Entries and Entry Information) of these Rules.
What to Do: Please contact Tekcard Payments

Authorization Revoked by Customer – Consumer, who previously authorized ACH payment, has revoked authorization from Originator (must be returned no later than 60 days from settlement date and customer must sign affidavit).
What to Do: Immediately suspend any recurring payment schedules entered for this bank account. This will prevent additional transactions from being returned while you address the issue with your customer. Then contact your customer and resolve any issues that caused the transaction to be disputed or the schedule to be cancelled. You can ask the customer for a different form of payment, or ask to debit a different bank account. If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions. Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect. If this action is taken,please contact Tekcard Payments.

The Receiver of a recurring debit transaction has the right to stop payment on any specific ACH debit. The RDFI should verify the Receiver’s intent when a request for stop payment is made to ensure this is not intended to be a revocation of authorization. A stop payment order shall remain in effect until the earliest of the following occurs: a lapse of six months from the date of the stop payment order, payment of the debit entry has been stopped, or the Receiver withdraws the stop payment order.
OR The RDFI determines that a stop payment order has been placed on the item to which the PPD debit entry constituting notice of presentment or the PPD Accounts Receivable Truncated Check Debit Entry relates. [The RDFI determines that a stop payment order has been placed on the item to which the PPD Accounts Receivable Truncated Check Debit Entry relates.]
What to Do: Contact your customer and resolve any issues that caused the transaction to be stopped. You can re-enter the returned transaction again with proper authorization from your customer. You can also ask your customer for a different form of payment.

Sufficient book or ledger balance exists to satisfy the dollar value of the transaction, but the dollar value of transactions in the process of collection (i.e., uncollected checks) brings the available and/or cash reserve balance below the dollar value of the debit entry.
What to Do: You can try the transaction again (you will need to re-enter it as a new transaction) up to two times within 30 days of the original authorization date.

For entries to Consumer Accounts that are not PPD debit entries constituting notice of presentment or PPD Accounts Receivable Truncated Check Debit Entries in accordance with Article Two, subsection 2.1.4(2), the RDFI has been notified by its customer, the Receiver, that the Originator of a given transaction has not been authorized to debit his account.[For entries to Consumer Accounts that are not PPD Accounts Receivable Truncated Check Debit Entries in accordance with Article Two, subsection 2.1.4(2) (Authorization/Notification for PPD Accounts Receivable Truncated Check Debit Entries), the RDFI has been notified by its customer, the Receiver, that the Originator of a given transaction has not been authorized to debit his account.]
What to Do: The Receiver may request immediate credit from the RDFI for an unauthorized debit. The request must be made in writing within fifteen (15) days after the RDFI sends or makes available to the Receiver information pertaining to that debit entry.
OR Immediately suspend any recurring payment schedules entered for this bank account. This will prevent additional transactions from being returned while you address the issue with your customer. Then contact your customer and resolve any issues that caused the transaction to be disputed or the schedule to be cancelled. You can ask the customer for a different form of payment, or ask to debit a different bank account. If you need to debit the same bank account, instruct your customer to call the bank and remove the block on transactions. Unfortunately, there is no dispute resolution available to you within the ACH Network. If your customer continues to claim the transaction was not authorized, but you have proof that it was properly authorized, you will need to sue your customer in Small Claims Court to collect. If this action is taken,please contact Tekcard Payments.

Used by the RDFI to return an entry for which the Originator and Receiver have a relationship, and an authorization to debit exists, but there is an error or defect in the payment such that the entry does not conform to the terms of the authorization. (i.e., “an incorrect amount,” “payment was debited earlier than authorized” ) For ARC, BOC or POP errors with the original source document and errors may exist. (i.e. “document is ineligible”, “notice was not provided to Receiver”, “amount was not accurate per the source document”)
What to Do: The originator can correct the underlying error, e.g. correct the amount, the date, and resubmit the corrected entry as a new entry. No new authorization is needed from the customer. The new corrected entry must be submitted and originated within 60 days of the Settlement Date of the R11 Return Entry. If a correction and new entry submission is not possible, the resolution would be similar to receiving a return with the R10 code. See “What to do” for R10 code.

A financial institution may continue to receive entries destined for an account at a branch that has been sold to another financial institution. Because the RDFI no longer maintains the account and is unable to post the entry, it should return the entry to the ODFI.
What to Do: Obtain new Routing Number and Bank Account Number information, then enter a NEW transaction using the updated account numbers. If the transaction was part of a recurring payment schedule, be sure to update the schedule to use the new bank account.

Financial institution is not qualified to participate in ACH or the routing number is incorrect.
What to Do: Double-check that you entered the Routing Number correctly, and contact your customer to confirm it if necessary. Then submit a NEW payment using the correct routing number.

The representative payee is a person or institution authorized to accept entries on behalf of one or more other persons, such as legally incapacitated adults or minor children. The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.

The Receiver may return a credit entry because one of the following conditions exists: (1) a minimum amount required by the Receiver has not been remitted; (2) the exact amount required has not been remitted; (3) the account is subject to litigation and the Receiver will not accept the transaction; (4) acceptance of the transaction results in an overpayment; (5) the Originator is not known by the Receiver; or (6) the Receiver has not authorized this credit entry to this account.
What to Do: Contact your customer to work out the problem, or ask them to work the problem out with their bank. Have your customer confirm that the refund will be accepted, then attempt to refund the transaction again. Alternately, you can send your customer a paper check for the refund amount.