What are the definitions of the different "Return Codes" on a Returned eCheck (ACH) Payment

Did one of the eCheck (ACH) payments in your Rentvine account get returned? If so, it will show you a return reason. The article below gives more information on the return reason.

Forte is Rentvine's partnered payment processor. Forte uses NACHA specification return codes that indicate whether the consumer portion of the payment has been returned or rejected. Some common returns are a closed bank account, invalid bank account, insufficient funds, or a dispute. If a payment is unsuccessful, Forte usually receives the return message from the ACH network within 2 to 4 business days of payment submission. For more information of what the returns mean, see the table below.

You can find the return reason on either the email notification letting you know that an eCheck (ACH) payment was returned or on the details of the payment itself in Rentvine.

Email notification example

Tenant payment details page example

**Specification Return Codes**
Code	Description	Comments
R01	INSUFFICIENT FUNDS	The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry.
R02	ACCOUNT CLOSED	A previously active account has been closed by action of the customer or the RDFI.
R03	NO ACCOUNT/ UNABLE TO LOCATE ACCOUNT	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 existing account.
R04	INVALID ACCOUNT NUMBER STRUCTURE	The account number structure is not valid.
R05	UNAUTHORIZED DEBIT TO CONSUMER ACCOUNT USING CORPORATE SEC CODE	CCD or CTX debit Entry was Transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.
R06	RETURNED PER ODFI’S REQUEST	The ODFI has requested that the RDFI return an Erroneous Entry, or a credit Entry originated without the authorization of the Originator.
R07	AUTHORIZATION REVOKED BY CUSTOMER	The RDFI’s customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry.
R08	PAYMENT STOPPED	The Receiver has placed a stop payment order on this debit Entry.
R09	UNCOLLECTED FUNDS	A sufficient ledger balance exists to satisfy the dollar value of the transaction, but the available balance is below the dollar value of the debit Entry..
R10	CUSTOMER ADVISES ORIGINATOR IS NOT KNOWN TO RECEIVER AND/OR ORIGINATOR IS NOT AUTHORIZED BY RECEIVER TO DEBIT RECEIVER’S ACCOUNT	The RDFI has been notified by the Receiver that the Receiver does not know the identity of the Originator; has no relationship with the Originator; or has not authorized the Originator to debit his account. For ARC and BOC entries, the RDFI has been notified by the Receiver that the signature on the source document is not authentic, valid, or authorized. For POP Entries, the RDFI has been notified by the Receiver that the signature on the written authorization is not authentic, valid, or authorized.
R11	CUSTOMER ADVISES ENTRY NOT IN ACCORDANCE WITH THE TERMS OF THE AUTHORIZATION	The RDFI has been notified by the Receiver that 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 (for example, the entry is for an amount different than authorized; the entry was initiated for settlement earlier than authorized; the entry is part of an Incomplete Transaction; the debit entry was improperly reinitiated; for ARC, BOC, or POP entries: ineligible source document, notice was not provided; amount of the entry was not accurately obtained from the source document. The Reversing Entry was improperly initiated by the Originator or ODFI. The Receiver did not affirmatively initiate a Subsequent Entry in accordance with the terms of the Standing Authorization.
R12	ACCOUNT SOLD TO ANOTHER DFI	A financial institution received an Entry to an account that was sold to another financial institution.
R13	INVALID ACH ROUTING NUMBER	Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number.
R14	REPRESENTATIVE PAYEE DECEASED OR UNABLE TO CONTINUE IN THAT CAPACITY	The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.
R15	BENEFICIARY OR ACCOUNT HOLDER (OTHER THAN A REPRESENTATIVE PAYEE) DECEASED	(1) The beneficiary is deceased; or (2) the account holder is deceased.
R16	ACCOUNT FROZEN/ENTRY RETURNED PER OFAC INSTRUCTION	(1) Access to the account is restricted due to specific action taken by the RDFI or by legal action; or (2) OFAC has instructed the RDFI or Gateway to return the Entry.
R17	FILE RECORD EDIT CRITERIA/ENTRY WITH INVALID ACCOUNT NUMBER INITIATED UNDER QUESTIONABLE CIRCUMSTANCES/RETURN OF IMPROPERLY-INITIATED REVERSAL)	(1) Field(s) cannot be processed by RDFI; (2) the Entry contains an invalid DFI Account Number (account closed/no account/unable to locate account/invalid account number) and is believed by the RDFI to have been initiated under questionable circumstances; or (3) either the RDFI or Receiver has identified a Reversing Entry as one that was improperly initiated by the Originator or ODFI.
R18	IMPROPER EFFECTIVE ENTRY DATE	(1) The Effective Entry Date for a credit Entry is more than two Banking Days after the Banking Day of processing as established by the Originating ACH Operator; or (2) the Effective Entry Date for a debit Entry is more than one Banking Day after the processing date.
R19	AMOUNT FIELD ERROR	(1) Amount field is non-numeric. (2) Amount field is not zero in a Prenotification, DNE, ENR, Notification of Change, refused Notification of Change, or zero dollar CCD, CTX, or IAT Entry. (3) Amount field is zero in an Entry other than a Prenotification, DNE, ENR, Notification of Change, Return, dishonored Return, contested dishonored Return, or zero dollar CCD, CTX, or IAT Entry. (4) Amount field is greater than $25,000 for ARC, BOC, and POP Entries.
R20	NON-TRANSACTION ACCOUNT	ACH Entry to a non- Transaction Account.
R21	INVALID COMPANY IDENTIFICATION	The Identification Number used in the Company Identification Field is not valid.
R22	INVALID INDIVIDUAL ID NUMBER	The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.
R23	CREDIT ENTRY REFUSED BY RECEIVER	Any credit Entry that is refused by the Receiver may be returned by the RDFI.
R24	DUPLICATE ENTRY	The RDFI has received what appears to be a duplicate Entry; i.e., the trace number, date, dollar amount and/or other data matches another transaction.
R25	ADDENDA ERROR	Addenda Record Indicator value is incorrect. Addenda Type Code is invalid, out of sequence, or missing, Number of Addenda Records exceeds allowable maximum, Addenda Sequence Number is invalid.
R26	MANDATORY FIELD ERROR	Erroneous data or missing data in a mandatory field.
R27	TRACE NUMBER ERROR	(1) Original Entry Trace Number is not present in the Addenda Record on a Return or Notification of Change Entry; or (2) Trace Number of an Addenda Record is not the same as the Trace Number of the preceding Entry Detail Record.
R28	ROUTING NUMBER CHECK DIGIT ERROR	The check digit for a routing number is not valid.
R29	CORPORATE CUSTOMER ADVISES NOT AUTHORIZED	The RDFI has been notified by the Receiver (Non- Consumer) that a specific Entry has not been authorized by the Receiver.
R30	RDFI NOT PARTICIPANT IN CHECK TRUNCATION PROGRAM	The RDFI does not participate in a Check Truncation Program.
R31	PERMISSIBLE RETURN ENTRY (CCD AND CTX ONLY)	The RDFI may return a CCD or CTX Entry that the ODFI agrees to accept.
R32	RDFI NON-SETTLEMENT	The RDFI is not able to settle the Entry.
R33	RETURN OF XCK ENTRY	This Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion.
R34	LIMITED PARTICIPATION DFI	The RDFI’s participation has been limited by a federal or state supervisor.
R35	RETURN OF IMPROPER DEBIT ENTRY	Debit Entries (with the exception of Reversing Entries) are not permitted for CIE Entries or to loan accounts.
R36	RETURN OF IMPROPER CREDIT ENTRY	ACH credit Entries (with the exception of Reversing Entries) are not permitted for use with ARC, BOC, POP, RCK, TEL, and XCK.
R37	SOURCE DOCUMENT PRESENTED FOR PAYMENT	The source document to which an ARC, BOC, or POP Entry relates has been presented for payment.
R38	STOP PAYMENT ON SOURCE DOCUMENT	The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates.
R39	IMPROPER SOURCE DOCUMENT/SOURCE DOCUMENT PRESENTED FOR PAYMENT	The RDFI determines that: (1) the source document used for an ARC, BOC, or POP Entry to its Receiver’s account is improper, or (2) an ARC, BOC, or POP Entry and the source document to which the Entry relates have both been presented for payment and posted to the Receiver’s account.
R40	RETURN OF ENR ENTRY BY FEDERAL GOVERNMENT AGENCY	This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion.
R41	INVALID TRANSACTION CODE	Either the Transaction Code included in Field 3 of the Addenda Record does not conform to the ACH Record Format Specifications contained in Appendix Three (ACH Record Format Specifications) or it is not appropriate with regard to an Automated Enrollment Entry.
R42	ROUTING NUMBER/CHECK DIGIT ERROR	The Routing Number and the Check Digit included in Field 3 of the Addenda Record is either not a valid number or it does not conform to the Modulus 10 formula.
R43	INVALID DFI ACCOUNT NUMBER	The Receiver’s account number included in Field 3 of the Addenda Record must include at least one alphameric character.
R44	INVALID INDIVIDUAL ID NUMBER/IDENTIFICATION NUMBER	The Individual ID Number/Identification Number provided in Field 3 of the Addenda Record does not match a corresponding ID number in the Federal Government Agency’s records.
R45	INVALID INDIVIDUAL NAME/COMPANY NAME	The name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency’s records or fails to include at least one alphameric character.
R46	INVALID REPRESENTATIVE PAYEE INDICATOR	The Representative Payee Indicator Code included in Field 3 of the Addenda Record has been omitted or it is not consistent with the Federal Government Agency’s records.
R47	DUPLICATE ENROLLMENT	The Entry is a duplicate of an Automated Enrollment Entry previously initiated by a DFI.
R50	STATE LAW AFFECTING RCK ACCEPTANCE	(1) The RDFI is located in a state that has not adopted Revised Article 4 of the Uniform Commercial Code (1990 Official Text) and has not revised its customer agreements to allow for Electronic presentment; or (2) the RDFI is located within a state that requires all canceled Checks to a specific type of account to be returned to the Receiver within the periodic statement.
R51	ITEM RELATED TO RCK ENTRY IS INELIGIBLE OR RCK ENTRY IS IMPROPER	An RCK Entry is considered to be ineligible or improper.
R52	STOP PAYMENT ON ITEM RELATED TO RCK ENTRY	A stop payment order has been placed on the item to which the RCK Entry relates.
R53	ITEM AND RCK ENTRY PRESENTED FOR PAYMENT	In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment.
R61	MISROUTED RETURN	The financial institution preparing the Return Entry (the RDFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field.
R62	RETURN OF ERRONEOUS OR REVERSING DEBIT	The Originator’s/ODFI’s use of the reversal process has resulted in, or failed to correct, an unintended credit to the Receiver.
R67	DUPLICATE RETURN	The ODFI has received more than one Return for the same Entry.
R68	UNTIMELY RETURN	The Return Entry has not been sent within the time frame established by these Rules.
R69	FIELD ERROR(S)	One or more of the field requirements are incorrect.
R70	PERMISSIBLE RETURN ENTRY NOT ACCEPTED/RETURN NOT REQUESTED BY ODFI	The ODFI has received a Return Entry identified by the RDFI as being returned with the permission of, or at the request of, the ODFI, but the ODFI has not agreed to accept the Entry or has not requested the return of the Entry.
R71	MISROUTED DISHONORED RETURN	The financial institution preparing the dishonored Return Entry (the ODFI of the original Entry) has placed the incorrect Routing Number in the Receiving DFI Identification field.
R72	UNTIMELY DISHONORED RETURN	The dishonored Return Entry has not been sent within the designated time frame.
R73	TIMELY ORIGINAL RETURN	The RDFI is certifying that the original Return Entry was sent within the time frame designated in these Rules.
R74	CORRECTED RETURN	The RDFI is correcting a previous Return Entry that was dishonored using Return Reason Code R69 (Field Error(s)) because it contained incomplete or incorrect information.
R75	RETURN NOT A DUPLICATE	The Return Entry was not a duplicate of an Entry previously returned by the RDFI.
R76	NO ERRORS FOUND	The original Return Entry did not contain the errors indicated by the ODFI in the dishonored Return Entry.
R77	NON-ACCEPTANCE OF R62 DISHONORED RETURN	The RDFI returned both the Erroneous Entry and the related Reversing Entry, or the funds relating to the R62 dishonored Return are not recoverable from the Receiver.
R80	IAT ENTRY CODING ERROR	The IAT Entry is being returned due to one or more of the following conditions: • invalid DFI/Bank Branch Country Code • invalid DFI/Bank Identification Number Qualifier • invalid Foreign Exchange Indicator • invalid ISO Originating Currency Code • invalid ISO Destination Currency Code • invalid ISO Destination Country Code • invalid Transaction Type Code.
R81	NON-PARTICIPANT IN IAT PROGRAM	The IAT Entry is being returned because the Gateway does not have an agreement with either the ODFI or the Gateway’s customer to transmit Outbound IAT Entries.
R82	INVALID FOREIGN RECEIVING DFI IDENTIFICATION	The reference used to identify the Foreign Receiving DFI of an Outbound IAT Entry is invalid.
R83	FOREIGN RECEIVING DFI UNABLE TO SETTLE	The IAT Entry is being returned due to settlement problems in the foreign payment system.
R84	ENTRY NOT PROCESSED BY GATEWAY	For Outbound IAT Entries, the Entry has not been processed and is being returned at the Gateway’s discretion because either (1) the processing of such Entry may expose the Gateway to excessive risk, or (2) the foreign payment system does not support the functions needed to process the transaction.
R85	INCORRECTLY CODED OUTBOUND INTERNATIONAL PAYMENT	The RDFI/Gateway has identified the Entry as an Outbound international payment and is returning the Entry because it bears an SEC Code that lacks information required by the Gateway for OFAC compliance.