Originators should consider taking action based on the type of return received as summarized below: Insufficient or Uncollected Funds (R01 and R09) - Originators can reinitiate entries that are returned for these reasons, but should be aware of restrictions when doing so (ACH Rule Subsection 2.12.4)
Incorrect Entry - The receiver is claiming that the entry is incorrect (e.g., typically dollar amount or date errors). The Rules allow the originator to reinitiate the corrected entry when receiving an R11 return.
Administrative Returns (R02, R03, and R04) - These return codes indicate an issue with the account number used; the originator should review the authorization and work with the receiver to determine the cause of the error and correct the account number for future entries
Unauthorized Returns (R05, R07, R10, R29) - Originators must stop future entries after receiving an unauthorized return and work with the receiver to determine why the entry was disputed. Originators can obtain a new authorization from the receiver but should take extra steps to ensure future entries are properly authorized and the receiver has the right to debit the account specified.
Stopped Payment and Revoked Authorization (R08 and R07) - Originators should work with their receiver to determine if there was an error in the entry (such as wrong amount) or if the receiver stopped the payment or claimed they revoked the authorization.
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