ach_client 5.0.0 → 5.1.0

Sign up to get free protection for your applications and to get access to all the features.
Files changed (6) hide show
  1. checksums.yaml +4 -4
  2. data/config/return_codes.yml +607 -600
  3. data/lib/ach_client/objects/return_code.rb +13 -2
  4. data/lib/ach_client/objects/return_codes.rb +2 -1
  5. data/lib/ach_client/version.rb +1 -1
  6. metadata +2 -2
data/config/return_codes.yml CHANGED
@@ -1,769 +1,776 @@
1
1
  ---
2
2
  -
3
- code: 'C01'
4
- description: "ACH Change Code. Incorrect Account Number"
5
- reason: "Incorrect Account Number"
6
- -
7
- code: 'C02'
8
- description: "ACH Change Code. Incorrect Transit Route"
9
- reason: "Incorrect Transit Route"
10
- -
11
- code: 'C03'
12
- description: "ACH Change Code. Incorrect Account Number and Bank route"
13
- reason: "Incorrect Account Number and Bank route"
14
- -
15
- code: 'C04'
16
- description: "ACH Change Code. Incorrect Account Name"
17
- reason: "Incorrect Account Name"
18
- -
19
- code: 'C05'
20
- description: "Trans Code: 22=checking/credit, 27=checking/debit, 32=savings/credit, 37=savings/debit"
21
- reason: "Incorrect Acct Type (Checking vs Savings)"
22
- -
23
- code: 'C06'
24
- description: "ACH Change Code. Incorrect Acct Number and Acct Type"
25
- reason: "Incorrect Acct Number and Acct Type"
26
- -
27
- code: 'C07'
28
- description: "ACH Change Code. Incorrect Acct Number, Route and Acct Type"
29
- reason: "Incorrect Acct Number, Route and Acct Type"
30
- -
31
- code: 'C09'
32
- description: "ACH Change Code. Incorrect Individual ID"
33
- reason: "Incorrect Individual ID"
34
- -
35
- code: 'C10'
36
- description: "ACH Change Code. Incorrect Company Name"
37
- reason: "Incorrect Company Name"
38
- -
39
- code: 'C11'
40
- description: "ACH Change Code. Incorrect Company ID"
41
- reason: "Incorrect Company ID"
42
- -
43
- code: 'C12'
44
- description: "ACH Change Code. Incorrect Company Name and ID"
45
- reason: "Incorrect Company Name and ID"
46
- -
47
- code: 'C13'
48
- description: "ACH Change Code. Addenda Format Error"
49
- reason: "Addenda Format Error"
50
- -
51
- code: 'R01'
52
- description: "The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry."
53
- reason: "Insufficient Funds"
54
- -
55
- code: 'R02'
56
- description: "A previously active account has been closed by action of the customer or the RDFI."
57
- reason: "Account Closed"
58
- -
59
- code: 'R03'
60
- description: "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."
61
- reason: "Bad account info/Not currently an existing account"
62
- -
63
- code: 'R04'
64
- description: "The account number structure is not valid. The Entry may fail the Check digit validation or may contain an incorrect number of digits."
65
- reason: "Invalid Account Number Structure"
66
- -
67
- code: 'R05'
68
- description: "CCD or CTX debit Entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver."
69
- reason: "Unauthorized CCD Debit to Consumer Account"
70
- -
71
- code: 'R06'
72
- description: "The ODFI has requested that the RDFI return an Erroneous Entry."
73
- reason: "Returned by request of Sender or ACHWorks bank"
74
- -
75
- code: 'R07'
76
- description: "The RDFI's customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry."
77
- reason: "Authorization Revoked by Customer"
78
- -
79
- code: 'R08'
80
- description: "The Receiver has placed a stop payment order on this debit Entry."
81
- reason: "Payment Stopped"
82
- -
83
- code: 'R09'
84
- description: "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."
85
- reason: "Uncollected funds due to uncleared deposit"
86
- -
87
- code: 'R10'
88
- description: "The RDFI has been notified by the Receiver that the Entry is unauthorized, improper, or ineligible."
89
- reason: "Customer Says: Not Authorized/Improper/Ineligible"
90
- -
91
- code: 'R11'
92
- description: "Used when returning a Check truncation Entry."
93
- reason: "Check Truncation Entry Return"
94
- -
95
- code: 'R12'
96
- description: "A financial institution received an Entry to an account that was sold to another financial institution."
97
- reason: "Account Sold to Another Bank"
98
- -
99
- code: 'R13'
100
- description: "Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number."
101
- reason: "Invalid ACH Routing Number"
102
- -
103
- code: 'R14'
104
- description: "The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased."
105
- reason: "Representative Payee Deceased or Incapacitated"
106
- -
107
- code: 'R15'
3
+ code: C01
4
+ description: ACH Change Code. Incorrect Account Number
5
+ reason: Incorrect bank account number
6
+ -
7
+ code: C02
8
+ description: ACH Change Code. Incorrect Transit Route
9
+ reason: Incorrect transit/routing number
10
+ -
11
+ code: C03
12
+ description: ACH Change Code. Incorrect Account Number and Bank route
13
+ reason: Incorrect transit/routing number and bank account number
14
+ -
15
+ code: C04
16
+ description: ACH Change Code. Incorrect Account Name
17
+ reason: Bank account name change
18
+ -
19
+ code: C05
20
+ description: 'Trans Code: 22=checking/credit, 27=checking/debit, 32=savings/credit, 37=savings/debit'
21
+ reason: Incorrect payment code
22
+ -
23
+ code: C06
24
+ description: ACH Change Code. Incorrect Acct Number and Acct Type
25
+ reason: Incorrect bank account number and transit code
26
+ -
27
+ code: C07
28
+ description: ACH Change Code. Incorrect Acct Number, Route and Acct Type
29
+ reason: Incorrect transit/routing number, bank account number and payment code
30
+ -
31
+ code: C09
32
+ description: ACH Change Code. Incorrect Individual ID
33
+ reason: Incorrect individual ID number
34
+ -
35
+ code: C10
36
+ description: ACH Change Code. Incorrect Company Name
37
+ reason: Incorrect company name
38
+ -
39
+ code: C11
40
+ description: ACH Change Code. Incorrect Company ID
41
+ reason: Incorrect company identification
42
+ -
43
+ code: C12
44
+ description: ACH Change Code. Incorrect Company Name and ID
45
+ reason: Incorrect company name and company ID
46
+ -
47
+ code: C13
48
+ description: ACH Change Code. Addenda Format Error
49
+ reason: Addenda Format Error
50
+ -
51
+ code: R01
52
+ description: The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry.
53
+ reason: Insufficient Funds
54
+ -
55
+ code: R02
56
+ description: A previously active account has been closed by action of the customer or the RDFI.
57
+ reason: Account Closed
58
+ risk_and_enforcement_category: administrative
59
+ -
60
+ code: R03
61
+ description: 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.
62
+ reason: No Account/Unable to Locate Account
63
+ risk_and_enforcement_category: administrative
64
+ -
65
+ code: R04
66
+ description: The account number structure is not valid. The Entry may fail the Check digit validation or may contain an incorrect number of digits.
67
+ reason: Invalid Account Number
68
+ risk_and_enforcement_category: administrative
69
+ -
70
+ code: R05
71
+ description: CCD or CTX debit Entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.
72
+ reason: Reserved
73
+ risk_and_enforcement_category: unauthorized
74
+ -
75
+ code: R06
76
+ description: The ODFI has requested that the RDFI return an Erroneous Entry.
77
+ reason: Returned per ODFIs Request
78
+ -
79
+ code: R07
80
+ description: The RDFI's customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry.
81
+ reason: Authorization Revoked by Customer
82
+ risk_and_enforcement_category: unauthorized
83
+ -
84
+ code: R08
85
+ description: The Receiver has placed a stop payment order on this debit Entry.
86
+ reason: Payment Stopped or Stop Payment on Item
87
+ -
88
+ code: R09
89
+ description: 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.
90
+ reason: Uncollected Funds
91
+ -
92
+ code: R10
93
+ description: The RDFI has been notified by the Receiver that the Entry is unauthorized, improper, or ineligible.
94
+ reason: Customer Advises Not Authorized
95
+ risk_and_enforcement_category: unauthorized
96
+ -
97
+ code: R11
98
+ description: Used when returning a Check truncation Entry.
99
+ reason: Customer Advises Entry Not in Accordance with the Terms of the Authorization
100
+ -
101
+ code: R12
102
+ description: A financial institution received an Entry to an account that was sold to another financial institution.
103
+ reason: Branch sold to another DFI
104
+ -
105
+ code: R13
106
+ description: Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number.
107
+ reason: RDFI not qualified to participate
108
+ -
109
+ code: R14
110
+ description: The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.
111
+ reason: Re-presentment payee deceased or unable to continue in that capacity
112
+ -
113
+ code: R15
108
114
  description: "(1) The beneficiary is deceased, or (2) The account holder is deceased."
109
- reason: "Beneficiary/Account Holder (not Rep Payee)Deceased"
115
+ reason: Beneficiary of account holder deceased
110
116
  -
111
- code: 'R16'
112
- description: "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."
113
- reason: "Account Frozen/Entry Returned Per OFAC Instruction"
117
+ code: R16
118
+ description: 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.
119
+ reason: Account Frozen
114
120
  -
115
- code: 'R17'
116
- description: "Field(s) cannot be processed by RDFI."
117
- reason: "File Record Field Errors"
121
+ code: R17
122
+ description: Field(s) cannot be processed by RDFI.
123
+ reason: File record edit criteria
118
124
  -
119
- code: 'R18'
120
- description: "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 The effective Entry date for a debit Entry is more than one Banking Day after the processing d"
121
- reason: "Improper Effective Entry Date"
125
+ code: R18
126
+ description: 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 The effective Entry date for a debit Entry is more than one Banking Day after the processing d
127
+ reason: Improper effective entry date
122
128
  -
123
- code: 'R19'
124
- description: "Amount field is non-numeric. 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. Amount field is zero in an Entry other than a Prenotification, DNE, ENR, N"
125
- reason: "Amount Field Error"
129
+ code: R19
130
+ description: Amount field is non-numeric. 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. Amount field is zero in an Entry other than a Prenotification, DNE, ENR, N
131
+ reason: Amount field error
126
132
  -
127
- code: 'R20'
128
- description: "ACH Entry to a non-Transaction Account. Account does not accept this type of transaction."
129
- reason: "Account doesn't accept trans type (Credit/Debit)"
133
+ code: R20
134
+ description: ACH Entry to a non-Transaction Account. Account does not accept this type of transaction.
135
+ reason: Non-Transaction Account
130
136
  -
131
- code: 'R21'
132
- description: "The identification number used in the Company Identification Field is not valid."
133
- reason: "Invalid Company Identification"
137
+ code: R21
138
+ description: The identification number used in the Company Identification Field is not valid.
139
+ reason: Invalid company identification
134
140
  -
135
- code: 'R22'
136
- description: "The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct."
137
- reason: "Invalid Individual ID Number"
141
+ code: R22
142
+ description: The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.
143
+ reason: Invalid individual ID number
138
144
  -
139
- code: 'R23'
140
- description: "Any credit Entry that is refused by the Receiver may be returned by the RDFI."
141
- reason: "Credit Entry Refused by Receiver"
145
+ code: R23
146
+ description: Any credit Entry that is refused by the Receiver may be returned by the RDFI.
147
+ reason: Credit entry refused by receiver
142
148
  -
143
- code: 'R24'
144
- description: "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."
145
- reason: "Duplicate Entry"
149
+ code: R24
150
+ description: 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.
151
+ reason: Duplicate entry
146
152
  -
147
- code: 'R25'
148
- description: "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."
149
- reason: "Addenda Error"
153
+ code: R25
154
+ description: 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.
155
+ reason: Addenda error
150
156
  -
151
- code: 'R26'
152
- description: "Erroneous data or missing data in a mandatory field."
153
- reason: "Mandatory Field Error"
157
+ code: R26
158
+ description: Erroneous data or missing data in a mandatory field.
159
+ reason: Mandatory field error
154
160
  -
155
- code: 'R27'
156
- description: "Original Entry Trace Number is not present in the Addenda Record on a Return or Notification of Change Entry; or Trace Number of an Addenda Record is not the same as the Trace Number of the preceding Entry Detail Record."
157
- reason: "Trace Number Error"
161
+ code: R27
162
+ description: Original Entry Trace Number is not present in the Addenda Record on a Return or Notification of Change Entry; or Trace Number of an Addenda Record is not the same as the Trace Number of the preceding Entry Detail Record.
163
+ reason: Trace number error
158
164
  -
159
- code: 'R28'
160
- description: "The Check digit for a routing number is not valid."
161
- reason: "Routing Number Check Digit Error"
165
+ code: R28
166
+ description: The Check digit for a routing number is not valid.
167
+ reason: Routing number check digit error
162
168
  -
163
- code: 'R29'
164
- description: "The RDFI has been notified by the Receiver(non-consumer) that a specific Entry has not been authorized by the Receiver."
165
- reason: "Corporate Customer Advises Not Authorized"
169
+ code: R29
170
+ description: The RDFI has been notified by the Receiver(non-consumer) that a specific Entry has not been authorized by the Receiver.
171
+ reason: Corporate customer advises not authorized
172
+ risk_and_enforcement_category: unauthorized
166
173
  -
167
- code: 'R30'
168
- description: "The RDFI does not participate in a Check truncation program."
169
- reason: "RDFI Not Participant in Check Truncation Program"
174
+ code: R30
175
+ description: The RDFI does not participate in a Check truncation program.
176
+ reason: RDFI not participant in check truncation program
170
177
  -
171
- code: 'R31'
172
- description: "The RDFI may return a CCD or CTX Entry that the ODFI agrees to accept."
173
- reason: "Permissible Return Entry (CCD and CTX only)"
178
+ code: R31
179
+ description: The RDFI may return a CCD or CTX Entry that the ODFI agrees to accept.
180
+ reason: Permissible return entry
174
181
  -
175
- code: 'R32'
176
- description: "The RDFI is not able to settle the Entry."
177
- reason: "RDFI Non-Settlement"
182
+ code: R32
183
+ description: The RDFI is not able to settle the Entry.
184
+ reason: RDFI non-settlement
178
185
  -
179
- code: 'R33'
180
- description: "This Return Reason Code may only be used to return XCK Entries and is at the RDFI's sole discretion."
181
- reason: "Return of XCK Entry"
186
+ code: R33
187
+ description: This Return Reason Code may only be used to return XCK Entries and is at the RDFI's sole discretion.
188
+ reason: Return of XCK entry
182
189
  -
183
- code: 'R34'
184
- description: "The RDFI's participation has been limited by a federal or state supervisor."
185
- reason: "Limited Participation DFI"
190
+ code: R34
191
+ description: The RDFI's participation has been limited by a federal or state supervisor.
192
+ reason: Limited participation DFI
186
193
  -
187
- code: 'R35'
188
- description: "Debit Entries (with the exception of Reversing Entries) are not permitted for CIE Entries or to loan accounts."
189
- reason: "Return of Improper Debit Entry"
194
+ code: R35
195
+ description: Debit Entries (with the exception of Reversing Entries) are not permitted for CIE Entries or to loan accounts.
196
+ reason: Return of improper debit entry
190
197
  -
191
- code: 'R36'
192
- description: "ACH credit Entries (with the exception of Reversing Entries) are not permitted for use with ARC, BOC, POP, RCK, TEL, WEB, and XCK."
193
- reason: "Return of Improper Credit Entry"
198
+ code: R36
199
+ description: ACH credit Entries (with the exception of Reversing Entries) are not permitted for use with ARC, BOC, POP, RCK, TEL, WEB, and XCK.
200
+ reason: Return of improper credit entry
194
201
  -
195
- code: 'R37'
196
- description: "The source document to which an ARC, BOC, or POP Entry relates has been presented for payment."
197
- reason: "Source Document Presented for Payment"
202
+ code: R37
203
+ description: The source document to which an ARC, BOC, or POP Entry relates has been presented for payment.
204
+ reason: Source Document Presented
198
205
  -
199
- code: 'R38'
200
- description: "The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates."
201
- reason: "Stop Payment on Source Document"
206
+ code: R38
207
+ description: The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates.
208
+ reason: Stop Payment on Source Document
202
209
  -
203
- code: 'R39'
204
- description: "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"
205
- reason: "Source Document: Improper/Presented for Payment"
210
+ code: R39
211
+ description: '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'
212
+ reason: Improper Source Document
206
213
  -
207
- code: 'R40'
208
- description: "This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency's sole discretion."
209
- reason: "Return of ENR Entry by Federal Government Agency"
214
+ code: R40
215
+ description: This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency's sole discretion.
216
+ reason: Return of ENR entry by Federal Government Agency (ENR Only)
210
217
  -
211
- code: 'R41'
212
- description: "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 E"
213
- reason: "Invalid Transaction Code"
218
+ code: R41
219
+ description: 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 E
220
+ reason: Invalid transaction code (ENR Only)
214
221
  -
215
- code: 'R42'
216
- description: "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."
217
- reason: "Routing Number/Check Digit Error"
222
+ code: R42
223
+ description: 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.
224
+ reason: Routing number/check digit error (ENR only)
218
225
  -
219
- code: 'R43'
220
- description: "The Receiver's account number included in Field 3 of the Addenda Record must include at least one alphameric character."
221
- reason: "Invalid DFI Account Number"
226
+ code: R43
227
+ description: The Receiver's account number included in Field 3 of the Addenda Record must include at least one alphameric character.
228
+ reason: Invalid DFI account number (ENR only)
222
229
  -
223
- code: 'R44'
224
- description: "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."
225
- reason: "Invalid Individual ID Number/Identification Number"
230
+ code: R44
231
+ description: 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.
232
+ reason: Invalid individual ID number (ENR only)
226
233
  -
227
- code: 'R45'
228
- description: "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."
229
- reason: "Invalid Individual Name/Company Name"
234
+ code: R45
235
+ description: 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.
236
+ reason: Invalid individual name/company name (ENR only)
230
237
  -
231
- code: 'R46'
232
- description: "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."
233
- reason: "Invalid Representative Payee Indicator"
238
+ code: R46
239
+ description: 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.
240
+ reason: Invalid representative payee indicator (ENR only)
234
241
  -
235
- code: 'R47'
236
- description: "The Entry is a duplicate of an Automated Enrollment Entry previously initiated by a DFI."
237
- reason: "Duplicate Enrollment (ENR only)"
242
+ code: R47
243
+ description: The Entry is a duplicate of an Automated Enrollment Entry previously initiated by a DFI.
244
+ reason: Duplicate enrollment
238
245
  -
239
- code: 'R50'
240
- description: "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 The RDFI is located within a state that requires "
241
- reason: "State Law Affecting RCK Acceptance"
246
+ code: R50
247
+ description: 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 The RDFI is located within a state that requires
248
+ reason: State Law Affecting RCK Acceptance
242
249
  -
243
- code: 'R51'
244
- description: "An RCK Entry considered to be ineligible or improper."
245
- reason: "RCK Entry: Related Item Ineligible/Entry Improper"
250
+ code: R51
251
+ description: An RCK Entry considered to be ineligible or improper.
252
+ reason: Item is Ineligible, Notice Not Provided, Signature not genuine
253
+ risk_and_enforcement_category: unauthorized
246
254
  -
247
- code: 'R52'
248
- description: "A stop payment order has been placed on the item to which the RCK Entry relates."
249
- reason: "Stop Payment on Item Related to RCK Entry"
255
+ code: R52
256
+ description: A stop payment order has been placed on the item to which the RCK Entry relates.
257
+ reason: Stop Payment on Item
250
258
  -
251
- code: 'R53'
252
- description: "In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment."
253
- reason: "Item and RCK Entry Presented for Payment"
259
+ code: R53
260
+ description: In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment.
254
261
  -
255
- code: 'R61'
256
- description: "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."
257
- reason: "Misrouted Return"
262
+ code: R61
263
+ description: 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.
264
+ reason: Misrouted return
258
265
  -
259
- code: 'R62'
260
- description: "The Trace Number found in positions 07-21 in the Addenda Record of the return entry is different from the trace number of the original entry."
261
- reason: "Incorrect Trace Number"
266
+ code: R62
267
+ description: The Trace Number found in positions 07-21 in the Addenda Record of the return entry is different from the trace number of the original entry.
268
+ reason: Incorrect trace number
262
269
  -
263
- code: 'R63'
264
- description: "The dollar amount in the Entry Detail Record of the return entry is different from the dollar amount of the original entry."
265
- reason: "Incorrect Dollar Amount"
270
+ code: R63
271
+ description: The dollar amount in the Entry Detail Record of the return entry is different from the dollar amount of the original entry.
272
+ reason: Incorrect dollar amount
266
273
  -
267
- code: 'R64'
268
- description: "The Individual Identification Number reflected in the Entry Detail Record of the return entry is different from the Individual Identification Number/Identification Number used in the original entry."
269
- reason: "Incorrect Individual Identification"
274
+ code: R64
275
+ description: The Individual Identification Number reflected in the Entry Detail Record of the return entry is different from the Individual Identification Number/Identification Number used in the original entry.
276
+ reason: Incorrect individual identification
270
277
  -
271
- code: 'R65'
272
- description: "The Transaction Code in the Entry Detail Record of the return entry is not the return equivalent of the Transaction Code in the original entry."
273
- reason: "Incorrect Transaction Code"
278
+ code: R65
279
+ description: The Transaction Code in the Entry Detail Record of the return entry is not the return equivalent of the Transaction Code in the original entry.
280
+ reason: Incorrect transaction code
274
281
  -
275
- code: 'R66'
276
- description: "The Company Identification number used in the Company/Batch Header Record of the return entry is different from the Company Identification number used in the original entry."
277
- reason: "Incorrect Company Identification"
282
+ code: R66
283
+ description: The Company Identification number used in the Company/Batch Header Record of the return entry is different from the Company Identification number used in the original entry.
284
+ reason: Incorrect company identification
278
285
  -
279
- code: 'R67'
280
- description: "The ODFI has received more than one Return for the same Entry."
281
- reason: "Duplicate Return"
286
+ code: R67
287
+ description: The ODFI has received more than one Return for the same Entry.
288
+ reason: Duplicate return
282
289
  -
283
- code: 'R68'
284
- description: "The Return Entry has not been sent within the timeframe established by these Rules."
285
- reason: "Untimely Return"
290
+ code: R68
291
+ description: The Return Entry has not been sent within the timeframe established by these Rules.
292
+ reason: Untimely Return
286
293
  -
287
- code: 'R69'
288
- description: "One or more of the field requirements are incorrect (Individual Identification Number, Company Identification Number, Invalid Effective Entry Date)."
289
- reason: "Field Error(s)"
294
+ code: R69
295
+ description: One or more of the field requirements are incorrect (Individual Identification Number, Company Identification Number, Invalid Effective Entry Date).
296
+ reason: Multiple Errors
290
297
  -
291
- code: 'R70'
292
- description: "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."
293
- reason: "Permissible Return Not Accepted/Requested by ODFI"
298
+ code: R70
299
+ description: 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.
300
+ reason: Permissible return entry not accepted
294
301
  -
295
- code: 'R71'
296
- description: "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."
297
- reason: "Misrouted Dishonored Return"
302
+ code: R71
303
+ description: 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.
304
+ reason: Misrouted dishonored return
298
305
  -
299
- code: 'R72'
300
- description: "The dishonored Return Entry has not been sent within the designated timeframe."
301
- reason: "Untimely Dishonored Return"
306
+ code: R72
307
+ description: The dishonored Return Entry has not been sent within the designated timeframe.
308
+ reason: Untimely dishonored return
302
309
  -
303
- code: 'R73'
304
- description: "The RDFI is certifying that the original Return Entry was sent within the timeframe designated in these Rules."
305
- reason: "Timely Original Return"
310
+ code: R73
311
+ description: The RDFI is certifying that the original Return Entry was sent within the timeframe designated in these Rules.
312
+ reason: Timely original return
306
313
  -
307
- code: 'R74'
308
- description: "The RDFI is correcting a previous Return Entry that was dishonored using Return Reason Code R69 (Field Errors) because it contained incomplete or incorrect information."
309
- reason: "Corrected Return"
314
+ code: R74
315
+ description: The RDFI is correcting a previous Return Entry that was dishonored using Return Reason Code R69 (Field Errors) because it contained incomplete or incorrect information.
316
+ reason: Corrected return
310
317
  -
311
- code: 'R75'
312
- description: "The Return Entry was not a duplicate of an Entry previously returned by the RDFI."
313
- reason: "Return Not a Duplicate"
318
+ code: R75
319
+ description: The Return Entry was not a duplicate of an Entry previously returned by the RDFI.
320
+ reason: Return Not Duplicate
314
321
  -
315
- code: 'R76'
316
- description: "The original Return Entry did not contain the errors indicated by the ODFI in the dishonored Return Entry."
317
- reason: "No Errors Found"
322
+ code: R76
323
+ description: The original Return Entry did not contain the errors indicated by the ODFI in the dishonored Return Entry.
324
+ reason: No Errors Found
318
325
  -
319
- code: 'R80'
320
- description: "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 ¥ invali"
321
- reason: "IAT Entry Coding Error"
326
+ code: R80
327
+ description: '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 ¥ invali'
328
+ reason: Cross-Border Payment Coding Error
322
329
  -
323
- code: 'R81'
324
- description: "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 IAT Entries."
325
- reason: "Non-Participant in IAT Program"
330
+ code: R81
331
+ description: 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 IAT Entries.
332
+ reason: Non-Participant in Cross-Border Program
326
333
  -
327
- code: 'R82'
328
- description: "The reference used to identify the Foreign Receiving DFI of an Outbound IAT Entry is invalid."
329
- reason: "Invalid Foreign Receiving DFI Identification"
334
+ code: R82
335
+ description: The reference used to identify the Foreign Receiving DFI of an Outbound IAT Entry is invalid.
336
+ reason: Invalid Foreign Receiving DFI Identification
330
337
  -
331
- code: 'R83'
332
- description: "The IAT Entry is being returned due to settlement problems in the foreign payment system."
333
- reason: "Foreign Receiving DFI Unable to Settle"
338
+ code: R83
339
+ description: The IAT Entry is being returned due to settlement problems in the foreign payment system.
340
+ reason: Foreign Receiving DFI Unable to Settle
334
341
  -
335
- code: 'R84'
336
- description: "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 support the funct"
337
- reason: "Entry Not Processed by Gateway"
342
+ code: R84
343
+ description: 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 support the funct
344
+ reason: Not Processed by Gateway
338
345
  -
339
- code: 'R85'
340
- description: "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."
341
- reason: "Incorrectly Coded Outbound International Payment"
346
+ code: R85
347
+ description: 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.
348
+ reason: Incorrectly Coded Outbound Int’l Payment
342
349
  -
343
- code: 'X00'
344
- description: "Ok for submission"
345
- reason: "Ok for submission"
350
+ code: X00
351
+ description: Ok for submission
352
+ reason: Ok for submission
346
353
  -
347
- code: 'X01'
348
- description: "The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry."
349
- reason: "Insufficient Funds"
354
+ code: X01
355
+ description: The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit Entry.
356
+ reason: Insufficient Funds
350
357
  -
351
- code: 'X02'
352
- description: "A previously active account has been closed by action of the customer or the RDFI."
353
- reason: "Account Closed"
358
+ code: X02
359
+ description: A previously active account has been closed by action of the customer or the RDFI.
360
+ reason: Account Closed
354
361
  -
355
- code: 'X03'
356
- description: "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."
357
- reason: "Bad account info/Not currently an existing account"
362
+ code: X03
363
+ description: 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.
364
+ reason: 'No Account '
358
365
  -
359
- code: 'X04'
360
- description: "The account number structure is not valid. The Entry may fail the Check digit validation or may contain an incorrect number of digits."
361
- reason: "Invalid Account Number Structure"
366
+ code: X04
367
+ description: The account number structure is not valid. The Entry may fail the Check digit validation or may contain an incorrect number of digits.
368
+ reason: Invalid Account Number Structure
362
369
  -
363
- code: 'X05'
364
- description: "CCD or CTX debit Entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver."
365
- reason: "Unauthorized CCD Debit to Consumer Account"
370
+ code: X05
371
+ description: CCD or CTX debit Entry was transmitted to a Consumer Account of the Receiver and was not authorized by the Receiver.
372
+ reason: Unauthorized CCD Debit to Consumer Account
366
373
  -
367
- code: 'X07'
368
- description: "The RDFI's customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry."
369
- reason: "Authorization Revoked by Customer"
374
+ code: X07
375
+ description: The RDFI's customer (the Receiver) revoked the authorization previously provided to the Originator for this debit Entry.
376
+ reason: Authorization Revoked by Customer
370
377
  -
371
- code: 'X08'
372
- description: "The Receiver has placed a stop payment order on this debit Entry."
373
- reason: "Payment Stopped"
378
+ code: X08
379
+ description: The Receiver has placed a stop payment order on this debit Entry.
380
+ reason: Payment Stopped
374
381
  -
375
- code: 'X09'
376
- description: "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."
377
- reason: "Uncollected funds due to uncleared deposit"
382
+ code: X09
383
+ description: 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.
384
+ reason: Uncollected funds due to uncleared deposit
378
385
  -
379
- code: 'X10'
380
- description: "The RDFI has been notified by the Receiver that the Entry is unauthorized, improper, or ineligible."
381
- reason: "Customer Says: Not Authorized/Improper/Ineligible"
386
+ code: X10
387
+ description: The RDFI has been notified by the Receiver that the Entry is unauthorized, improper, or ineligible.
388
+ reason: 'Customer Says: Not Authorized/Improper/Ineligible'
382
389
  -
383
- code: 'X12'
384
- description: "A financial institution received an Entry to an account that was sold to another financial institution."
385
- reason: "Account Sold to Another Bank"
390
+ code: X12
391
+ description: A financial institution received an Entry to an account that was sold to another financial institution.
392
+ reason: Account Sold to Another Bank
386
393
  -
387
- code: 'X13'
388
- description: "Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number."
389
- reason: "Invalid ACH Routing Number"
394
+ code: X13
395
+ description: Entry contains a Receiving DFI Identification or Gateway Identification that is not a valid ACH routing number.
396
+ reason: Invalid ACH Routing Number
390
397
  -
391
- code: 'X14'
392
- description: "The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased."
393
- reason: "Representative Payee Deceased or Incapacitated"
398
+ code: X14
399
+ description: The representative payee is either deceased or unable to continue in that capacity. The beneficiary is not deceased.
400
+ reason: Representative Payee Deceased or Incapacitated
394
401
  -
395
- code: 'X15'
402
+ code: X15
396
403
  description: "(1) The beneficiary is deceased, or (2) The account holder is deceased."
397
- reason: "Beneficiary/Account Holder (not Rep Payee)Deceased"
404
+ reason: Beneficiary/Account Holder (not Rep Payee)Deceased
398
405
  -
399
- code: 'X16'
400
- description: "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."
401
- reason: "Account Frozen/Entry Returned Per OFAC Instruction"
406
+ code: X16
407
+ description: 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.
408
+ reason: Account Frozen/Entry Returned Per OFAC Instruction
402
409
  -
403
- code: 'X20'
404
- description: "ACH Entry to a non-Transaction Account. Account does not accept this type of transaction."
405
- reason: "Account doesn't accept trans type (Credit/Debit)"
410
+ code: X20
411
+ description: ACH Entry to a non-Transaction Account. Account does not accept this type of transaction.
412
+ reason: Account doesn't accept trans type (Credit/Debit)
406
413
  -
407
- code: 'X22'
408
- description: "The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct."
409
- reason: "Invalid Individual ID Number"
414
+ code: X22
415
+ description: The Receiver has indicated to the RDFI that the number with which the Originator was identified is not correct.
416
+ reason: Invalid Individual ID Number
410
417
  -
411
- code: 'X26'
412
- description: "Erroneous data or missing data in a mandatory field."
413
- reason: "Mandatory Field Error"
418
+ code: X26
419
+ description: Erroneous data or missing data in a mandatory field.
420
+ reason: Mandatory Field Error
414
421
  -
415
- code: 'X28'
416
- description: "The Check digit for a routing number is not valid."
417
- reason: "Routing Number Check Digit Error"
422
+ code: X28
423
+ description: The Check digit for a routing number is not valid.
424
+ reason: Routing Number Check Digit Error
418
425
  -
419
- code: 'X29'
420
- description: "The RDFI has been notified by the Receiver(non-consumer) that a specific Entry has not been authorized by the Receiver."
421
- reason: "Corporate Customer Advises Not Authorized"
426
+ code: X29
427
+ description: The RDFI has been notified by the Receiver(non-consumer) that a specific Entry has not been authorized by the Receiver.
428
+ reason: Corporate Customer Advises Not Authorized
422
429
  -
423
- code: 'X30'
424
- description: "The RDFI does not participate in a Check truncation program."
425
- reason: "RDFI Not Participant in Check Truncation Program"
430
+ code: X30
431
+ description: The RDFI does not participate in a Check truncation program.
432
+ reason: RDFI Not Participant in Check Truncation Program
426
433
  -
427
- code: 'X34'
428
- description: "The RDFI's participation has been limited by a federal or state supervisor."
429
- reason: "Limited Participation DFI"
434
+ code: X34
435
+ description: The RDFI's participation has been limited by a federal or state supervisor.
436
+ reason: Limited Participation DFI
430
437
  -
431
- code: 'X37'
432
- description: "The source document to which an ARC, BOC, or POP Entry relates has been presented for payment."
433
- reason: "Source Document Presented for Payment"
438
+ code: X37
439
+ description: The source document to which an ARC, BOC, or POP Entry relates has been presented for payment.
440
+ reason: Source Document Presented for Payment
434
441
  -
435
- code: 'X38'
436
- description: "The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates."
437
- reason: "Stop Payment on Source Document"
442
+ code: X38
443
+ description: The RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates.
444
+ reason: Stop Payment on Source Document
438
445
  -
439
- code: 'X40'
440
- description: "This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency's sole discretion."
441
- reason: "Return of ENR Entry by Federal Government Agency"
446
+ code: X40
447
+ description: This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency's sole discretion.
448
+ reason: Return of ENR Entry by Federal Government Agency
442
449
  -
443
- code: 'X42'
444
- description: "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."
445
- reason: "Routing Number/Check Digit Error"
450
+ code: X42
451
+ description: 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.
452
+ reason: Routing Number/Check Digit Error
446
453
  -
447
- code: 'X43'
448
- description: "The Receiver's account number included in Field 3 of the Addenda Record must include at least one alphameric character."
449
- reason: "Invalid DFI Account Number"
454
+ code: X43
455
+ description: The Receiver's account number included in Field 3 of the Addenda Record must include at least one alphameric character.
456
+ reason: Invalid DFI Account Number
450
457
  -
451
- code: 'X50'
452
- description: "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 The RDFI is located within a state that requires "
453
- reason: "State Law Affecting RCK Acceptance"
458
+ code: X50
459
+ description: 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 The RDFI is located within a state that requires
460
+ reason: State Law Affecting RCK Acceptance
454
461
  -
455
- code: 'X51'
456
- description: "An RCK Entry considered to be ineligible or improper."
457
- reason: "RCK Entry: Related Item Ineligible/Entry Improper"
462
+ code: X51
463
+ description: An RCK Entry considered to be ineligible or improper.
464
+ reason: 'RCK Entry: Related Item Ineligible/Entry Improper'
458
465
  -
459
- code: 'X53'
460
- description: "In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment."
461
- reason: "Item and RCK Entry Presented for Payment"
466
+ code: X53
467
+ description: In addition to an RCK Entry, the item to which the RCK Entry relates has also been presented for payment.
468
+ reason: Item and RCK Entry Presented for Payment
462
469
  -
463
- code: 'X81'
464
- description: "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 IAT Entries."
465
- reason: "Non-Participant in IAT Program"
470
+ code: X81
471
+ description: 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 IAT Entries.
472
+ reason: Non-Participant in IAT Program
466
473
  -
467
- code: 'X82'
468
- description: "The reference used to identify the Foreign Receiving DFI of an Outbound IAT Entry is invalid."
469
- reason: "Invalid Foreign Receiving DFI Identification"
474
+ code: X82
475
+ description: The reference used to identify the Foreign Receiving DFI of an Outbound IAT Entry is invalid.
476
+ reason: Invalid Foreign Receiving DFI Identification
470
477
  -
471
- code: 'X83'
472
- description: "The IAT Entry is being returned due to settlement problems in the foreign payment system."
473
- reason: "Foreign Receiving DFI Unable to Settle"
478
+ code: X83
479
+ description: The IAT Entry is being returned due to settlement problems in the foreign payment system.
480
+ reason: Foreign Receiving DFI Unable to Settle
474
481
  -
475
- code: 'X84'
476
- description: "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 support the funct"
477
- reason: "Entry Not Processed by Gateway"
482
+ code: X84
483
+ description: 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 support the funct
484
+ reason: Entry Not Processed by Gateway
478
485
  -
479
- code: 'XA0'
480
- description: "Internal Return. Account Access is denied"
481
- reason: "Account access is denied"
486
+ code: XA0
487
+ description: Internal Return. Account Access is denied
488
+ reason: Account access is denied
482
489
  -
483
- code: 'XA1'
484
- description: "Internal Return. Account number has illegal characters"
485
- reason: "Account number has illegal characters"
490
+ code: XA1
491
+ description: Internal Return. Account number has illegal characters
492
+ reason: Account number has illegal characters
486
493
  -
487
- code: 'XA2'
488
- description: "Internal Return. Amount over Admin authorized limit"
489
- reason: "Amount over Admin authorized limit"
494
+ code: XA2
495
+ description: Internal Return. Amount over Admin authorized limit
496
+ reason: Amount over Admin authorized limit
490
497
  -
491
- code: 'XA3'
492
- description: "Internal Return. Amount is over the transaction dollar limit set for the SEC Code and account set."
493
- reason: "Amount over ACHWorks single transaction limit"
498
+ code: XA3
499
+ description: Internal Return. Amount is over the transaction dollar limit set for the SEC Code and account set.
500
+ reason: Amount over ACHWorks single transaction limit
494
501
  -
495
- code: 'XA4'
496
- description: "Internal Return. Bank does not participate"
497
- reason: "Bank does not participate"
502
+ code: XA4
503
+ description: Internal Return. Bank does not participate
504
+ reason: Bank does not participate
498
505
  -
499
- code: 'XA5'
500
- description: "Internal Return. Batch Stopped"
501
- reason: "Batch Stopped"
506
+ code: XA5
507
+ description: Internal Return. Batch Stopped
508
+ reason: Batch Stopped
502
509
  -
503
- code: 'XA6'
504
- description: "Internal Return. Check Number missing"
505
- reason: "Check Number missing"
510
+ code: XA6
511
+ description: Internal Return. Check Number missing
512
+ reason: Check Number missing
506
513
  -
507
- code: 'XA7'
508
- description: "Internal Return. Credits not allowed for this service code"
509
- reason: "Credits not allowed for this service code"
514
+ code: XA7
515
+ description: Internal Return. Credits not allowed for this service code
516
+ reason: Credits not allowed for this service code
510
517
  -
511
- code: 'XA8'
512
- description: "Internal Return. Duplicate item"
513
- reason: "Duplicate item"
518
+ code: XA8
519
+ description: Internal Return. Duplicate item
520
+ reason: Duplicate item
514
521
  -
515
- code: 'XA9'
516
- description: "Internal Return. Internal User Not Authorized for transaction"
517
- reason: "ACHWorks User Not Authorized for transaction"
522
+ code: XA9
523
+ description: Internal Return. Internal User Not Authorized for transaction
524
+ reason: ACHWorks User Not Authorized for transaction
518
525
  -
519
- code: 'XB0'
520
- description: "Internal Return. Fee amount over legal limit"
521
- reason: "Fee amount over legal limit"
526
+ code: XB0
527
+ description: Internal Return. Fee amount over legal limit
528
+ reason: Fee amount over legal limit
522
529
  -
523
- code: 'XB1'
524
- description: "Internal Return. Record contains invalid character(s)"
525
- reason: "Record contains invalid character(s)"
530
+ code: XB1
531
+ description: Internal Return. Record contains invalid character(s)
532
+ reason: Record contains invalid character(s)
526
533
  -
527
- code: 'XB2'
528
- description: "Internal Return. Invalid Account Set"
529
- reason: "Invalid Account Set"
534
+ code: XB2
535
+ description: Internal Return. Invalid Account Set
536
+ reason: Invalid Account Set
530
537
  -
531
- code: 'XB3'
532
- description: "Internal Return. Invalid Acct Type"
533
- reason: "Invalid Acct Type"
538
+ code: XB3
539
+ description: Internal Return. Invalid Acct Type
540
+ reason: Invalid Acct Type
534
541
  -
535
- code: 'XB4'
536
- description: "Internal Return. Invalid bank transit routing number"
537
- reason: "Invalid bank transit routing number"
542
+ code: XB4
543
+ description: Internal Return. Invalid bank transit routing number
544
+ reason: Invalid bank transit routing number
538
545
  -
539
- code: 'XB5'
540
- description: "Internal Return. Invalid entry description"
541
- reason: "Invalid entry description"
546
+ code: XB5
547
+ description: Internal Return. Invalid entry description
548
+ reason: Invalid entry description
542
549
  -
543
- code: 'XB6'
544
- description: "Internal Return. Invalid Payee"
545
- reason: "Invalid Payee"
550
+ code: XB6
551
+ description: Internal Return. Invalid Payee
552
+ reason: Invalid Payee
546
553
  -
547
- code: 'XB7'
548
- description: "Internal Return. Invalid Check Date Format"
549
- reason: "Invalid Check Date Format"
554
+ code: XB7
555
+ description: Internal Return. Invalid Check Date Format
556
+ reason: Invalid Check Date Format
550
557
  -
551
- code: 'XB8'
552
- description: "Internal Return. Invalid Send Date Format"
553
- reason: "Invalid Send Date Format"
558
+ code: XB8
559
+ description: Internal Return. Invalid Send Date Format
560
+ reason: Invalid Send Date Format
554
561
  -
555
- code: 'XB9'
556
- description: "Internal Return. Invalid Service Code"
557
- reason: "Invalid Service Code"
562
+ code: XB9
563
+ description: Internal Return. Invalid Service Code
564
+ reason: Invalid Service Code
558
565
  -
559
- code: 'XBA'
560
- description: "Internal Return. All subsequent activities (debits/credits) blocked"
561
- reason: "All subsequent activities (debits/credits) blocked"
566
+ code: XBA
567
+ description: Internal Return. All subsequent activities (debits/credits) blocked
568
+ reason: All subsequent activities (debits/credits) blocked
562
569
  -
563
- code: 'XBC'
564
- description: "Internal Return. Subsequent credits blocked, allow debits only"
565
- reason: "Subsequent credits blocked, allow debits only"
570
+ code: XBC
571
+ description: Internal Return. Subsequent credits blocked, allow debits only
572
+ reason: Subsequent credits blocked, allow debits only
566
573
  -
567
- code: 'XBD'
568
- description: "Internal Return. Subsequent debits blocked, allow credits only"
569
- reason: "Subsequent debits blocked, allow credits only"
574
+ code: XBD
575
+ description: Internal Return. Subsequent debits blocked, allow credits only
576
+ reason: Subsequent debits blocked, allow credits only
570
577
  -
571
- code: 'XBR'
572
- description: "Internal Return. Blocks Remove, allow all transactions"
573
- reason: "Blocks Remove, allow all transactions"
578
+ code: XBR
579
+ description: Internal Return. Blocks Remove, allow all transactions
580
+ reason: Blocks Remove, allow all transactions
574
581
  -
575
- code: 'XC0'
576
- description: "Internal Return. Invalid Transaction Type"
577
- reason: "Invalid Transaction Type"
582
+ code: XC0
583
+ description: Internal Return. Invalid Transaction Type
584
+ reason: Invalid Transaction Type
578
585
  -
579
- code: 'XC1'
580
- description: "Internal Return. Item Cancelled"
581
- reason: "Item Cancelled"
586
+ code: XC1
587
+ description: Internal Return. Item Cancelled
588
+ reason: Item Cancelled
582
589
  -
583
- code: 'XC2'
584
- description: "Internal Return. Item not found"
585
- reason: "Item not found"
590
+ code: XC2
591
+ description: Internal Return. Item not found
592
+ reason: Item not found
586
593
  -
587
- code: 'XC3'
588
- description: "Internal Return. Maximum Resubmission Exceeded"
589
- reason: "Maximum Resubmission Exceeded"
594
+ code: XC3
595
+ description: Internal Return. Maximum Resubmission Exceeded
596
+ reason: Maximum Resubmission Exceeded
590
597
  -
591
- code: 'XC4'
592
- description: "Internal Return. Missing Data"
593
- reason: "Missing Data"
598
+ code: XC4
599
+ description: Internal Return. Missing Data
600
+ reason: Missing Data
594
601
  -
595
- code: 'XC5'
596
- description: "Internal Return. Possible Duplicate Exists"
597
- reason: "Possible Duplicate Exists"
602
+ code: XC5
603
+ description: Internal Return. Possible Duplicate Exists
604
+ reason: Possible Duplicate Exists
598
605
  -
599
- code: 'XC6'
600
- description: "Internal Return. Post-Dated too far into the future"
601
- reason: "Post-Dated too far into the future"
606
+ code: XC6
607
+ description: Internal Return. Post-Dated too far into the future
608
+ reason: Post-Dated too far into the future
602
609
  -
603
- code: 'XC7'
604
- description: "Internal Return. Stale Date"
605
- reason: "Stale Date"
610
+ code: XC7
611
+ description: Internal Return. Stale Date
612
+ reason: Stale Date
606
613
  -
607
- code: 'XC8'
608
- description: "Internal Return. Stop Payment requested by Merchant"
609
- reason: "Requested Stop Payment"
614
+ code: XC8
615
+ description: Internal Return. Stop Payment requested by Merchant
616
+ reason: Requested Stop Payment
610
617
  -
611
- code: 'XC9'
612
- description: "Internal Return. Stop Request Too Late"
613
- reason: "Stop Request Too Late"
618
+ code: XC9
619
+ description: Internal Return. Stop Request Too Late
620
+ reason: Stop Request Too Late
614
621
  -
615
- code: 'XD0'
616
- description: "Internal Return. Stop Batch Request Too Late"
617
- reason: "Stop Batch Request Too Late"
622
+ code: XD0
623
+ description: Internal Return. Stop Batch Request Too Late
624
+ reason: Stop Batch Request Too Late
618
625
  -
619
- code: 'XD1'
620
- description: "Internal Return. Invalid Length of Transaction line (EFUNDS STYLE)"
621
- reason: "Invalid Length of Transaction line (EFUNDS STYLE)"
626
+ code: XD1
627
+ description: Internal Return. Invalid Length of Transaction line (EFUNDS STYLE)
628
+ reason: Invalid Length of Transaction line (EFUNDS STYLE)
622
629
  -
623
- code: 'XD2'
624
- description: "Internal Return. Invalid Location ID"
625
- reason: "Invalid Location ID"
630
+ code: XD2
631
+ description: Internal Return. Invalid Location ID
632
+ reason: Invalid Location ID
626
633
  -
627
- code: 'XD3'
628
- description: "Internal Return. Invalid Amount Format"
629
- reason: "Invalid Amount Format"
634
+ code: XD3
635
+ description: Internal Return. Invalid Amount Format
636
+ reason: Invalid Amount Format
630
637
  -
631
- code: 'XD4'
632
- description: "Internal Return. Missing/Invalid OPCode (Recurrent or Single) for WEB Trans"
633
- reason: "Missing/Invalid OPCode (Recurrent or Single) for W"
638
+ code: XD4
639
+ description: Internal Return. Missing/Invalid OPCode (Recurrent or Single) for WEB Trans
640
+ reason: Missing/Invalid OPCode (Recurrent or Single) for W
634
641
  -
635
- code: 'XD5'
636
- description: "Internal Return. RDFI is currently not an ACH participant"
637
- reason: "RDFI is currently not an ACH participant"
642
+ code: XD5
643
+ description: Internal Return. RDFI is currently not an ACH participant
644
+ reason: RDFI is currently not an ACH participant
638
645
  -
639
- code: 'XD6'
640
- description: "Internal Return. Invalid Company Acct Type."
641
- reason: "Invalid Company Acct Type"
646
+ code: XD6
647
+ description: Internal Return. Invalid Company Acct Type.
648
+ reason: Invalid Company Acct Type
642
649
  -
643
- code: 'XD7'
644
- description: "Internal Return. RCK transactions are not allowed."
645
- reason: "RCK transactions are not allowed"
650
+ code: XD7
651
+ description: Internal Return. RCK transactions are not allowed.
652
+ reason: RCK transactions are not allowed
646
653
  -
647
- code: 'XD8'
648
- description: "Internal Return. PPD debits are not allowed."
649
- reason: "PPD debits are not allowed"
654
+ code: XD8
655
+ description: Internal Return. PPD debits are not allowed.
656
+ reason: PPD debits are not allowed
650
657
  -
651
- code: 'XD9'
652
- description: "Internal Return. PPD credits are not allowed."
653
- reason: "PPD credits are not allowed"
658
+ code: XD9
659
+ description: Internal Return. PPD credits are not allowed.
660
+ reason: PPD credits are not allowed
654
661
  -
655
- code: 'XDA'
656
- description: "Internal Return. CCD debits are not allowed."
657
- reason: "CCD debits are not allowed"
662
+ code: XDA
663
+ description: Internal Return. CCD debits are not allowed.
664
+ reason: CCD debits are not allowed
658
665
  -
659
- code: 'XDB'
660
- description: "Internal Return. CCD credits are not allowed."
661
- reason: "CCD credits are not allowed"
666
+ code: XDB
667
+ description: Internal Return. CCD credits are not allowed.
668
+ reason: CCD credits are not allowed
662
669
  -
663
- code: 'XDC'
664
- description: "Internal Return. POS transactions are not allowed."
665
- reason: "POS transactions are not allowed"
670
+ code: XDC
671
+ description: Internal Return. POS transactions are not allowed.
672
+ reason: POS transactions are not allowed
666
673
  -
667
- code: 'XDD'
668
- description: "Internal Return. POP transactions are not allowed."
669
- reason: "POP transactions are not allowed"
674
+ code: XDD
675
+ description: Internal Return. POP transactions are not allowed.
676
+ reason: POP transactions are not allowed
670
677
  -
671
- code: 'XDE'
672
- description: "Internal Return. ARC transactions are not allowed."
673
- reason: "ARC transactions are not allowed"
678
+ code: XDE
679
+ description: Internal Return. ARC transactions are not allowed.
680
+ reason: ARC transactions are not allowed
674
681
  -
675
- code: 'XDF'
676
- description: "Internal Return. TEL transactions are not allowed."
677
- reason: "TEL transactions are not allowed"
682
+ code: XDF
683
+ description: Internal Return. TEL transactions are not allowed.
684
+ reason: TEL transactions are not allowed
678
685
  -
679
- code: 'XDG'
680
- description: "Internal Return. WEB transactions are not allowed."
681
- reason: "WEB transactions are not allowed"
686
+ code: XDG
687
+ description: Internal Return. WEB transactions are not allowed.
688
+ reason: WEB transactions are not allowed
682
689
  -
683
- code: 'XDH'
684
- description: "Internal Return. Merchant exceeded the daily credit limit."
685
- reason: "Merchant exceeded the daily credit limit"
690
+ code: XDH
691
+ description: Internal Return. Merchant exceeded the daily credit limit.
692
+ reason: Merchant exceeded the daily credit limit
686
693
  -
687
- code: 'XDI'
688
- description: "Internal Return. Merchant exceeded the daily debit limit."
689
- reason: "Merchant exceeded the daily debit limit"
694
+ code: XDI
695
+ description: Internal Return. Merchant exceeded the daily debit limit.
696
+ reason: Merchant exceeded the daily debit limit
690
697
  -
691
- code: 'XDZ'
692
- description: "Internal Return. Zero amount not allowed for this service code."
693
- reason: "Zero amount not allowed for this service code"
698
+ code: XDZ
699
+ description: Internal Return. Zero amount not allowed for this service code.
700
+ reason: Zero amount not allowed for this service code
694
701
  -
695
- code: 'XRB'
696
- description: "Internal Return. Not allowed to use FRB number."
697
- reason: "Not allowed to use FRB number"
702
+ code: XRB
703
+ description: Internal Return. Not allowed to use FRB number.
704
+ reason: Not allowed to use FRB number
698
705
  -
699
- code: 'XSC'
700
- description: "Internal Return. Subscription Cancelled"
701
- reason: "Subscription Cancelled"
706
+ code: XSC
707
+ description: Internal Return. Subscription Cancelled
708
+ reason: Subscription Cancelled
702
709
  -
703
- code: 'XSR'
704
- description: "Internal Return. Subscription Restored"
705
- reason: "Subscription Restored"
710
+ code: XSR
711
+ description: Internal Return. Subscription Restored
712
+ reason: Subscription Restored
706
713
  -
707
- code: 'XST'
708
- description: "Internal Return. Customer account temporarily suspended because of prior return."
709
- reason: "Customer account temporarily suspended."
714
+ code: XST
715
+ description: Internal Return. Customer account temporarily suspended because of prior return.
716
+ reason: Customer account temporarily suspended.
710
717
  -
711
- code: 'XSZ'
712
- description: "Internal Return. Customer account permanently suspended because of prior return."
713
- reason: "Customer account permanently suspended."
718
+ code: XSZ
719
+ description: Internal Return. Customer account permanently suspended because of prior return.
720
+ reason: Customer account permanently suspended.
714
721
  -
715
- code: 'XU1'
716
- description: "Internal Return. Invalid user parameter"
717
- reason: "Invalid user parameter"
722
+ code: XU1
723
+ description: Internal Return. Invalid user parameter
724
+ reason: Invalid user parameter
718
725
  -
719
- code: 'XU2'
720
- description: "Internal Return. Invalid Company ID parameter"
721
- reason: "Invalid Company ID parameter"
726
+ code: XU2
727
+ description: Internal Return. Invalid Company ID parameter
728
+ reason: Invalid Company ID parameter
722
729
  -
723
- code: 'XV1'
724
- description: "Credits in the batch file not authenticated by the VIP Processing system as required."
725
- reason: "Credit not Authenticated by VIP System"
730
+ code: XV1
731
+ description: Credits in the batch file not authenticated by the VIP Processing system as required.
732
+ reason: Credit not Authenticated by VIP System
726
733
  -
727
- code: 'XZ1'
728
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
729
- reason: "NOC violation. Please use corrected account number"
734
+ code: XZ1
735
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
736
+ reason: NOC violation. Please use corrected account number
730
737
  -
731
- code: 'XZ2'
732
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
733
- reason: "NOC violation. Please use corrected routing number"
738
+ code: XZ2
739
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
740
+ reason: NOC violation. Please use corrected routing number
734
741
  -
735
- code: 'XZ3'
736
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
737
- reason: "NOC violation. Please use corr. acct and routing #"
742
+ code: XZ3
743
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
744
+ reason: 'NOC violation. Please use corr. acct and routing #'
738
745
  -
739
- code: 'XZ4'
740
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
741
- reason: "NOC violation. Please use corr. acct holder name"
746
+ code: XZ4
747
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
748
+ reason: NOC violation. Please use corr. acct holder name
742
749
  -
743
- code: 'XZ5'
744
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
745
- reason: "NOC violation. Please use corr. acct type (Ck/Sv)"
750
+ code: XZ5
751
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
752
+ reason: NOC violation. Please use corr. acct type (Ck/Sv)
746
753
  -
747
- code: 'XZ6'
748
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
749
- reason: "NOC violation. Please use corr. acct # and type"
754
+ code: XZ6
755
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
756
+ reason: 'NOC violation. Please use corr. acct # and type'
750
757
  -
751
- code: 'XZ7'
752
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
753
- reason: "NOC violation. Please use corr acct#, BTRN, type"
758
+ code: XZ7
759
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
760
+ reason: NOC violation. Please use corr acct#, BTRN, type
754
761
  -
755
- code: 'XZ9'
756
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
757
- reason: "NOC violation. Please use corrected Individual ID"
762
+ code: XZ9
763
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
764
+ reason: NOC violation. Please use corrected Individual ID
758
765
  -
759
- code: 'XZA'
760
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
761
- reason: "NOC violation. Please use corrected Company Name"
766
+ code: XZA
767
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
768
+ reason: NOC violation. Please use corrected Company Name
762
769
  -
763
- code: 'XZB'
764
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
765
- reason: "NOC violation. Please use corrected Company ID"
770
+ code: XZB
771
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
772
+ reason: NOC violation. Please use corrected Company ID
766
773
  -
767
- code: 'XZC'
768
- description: "Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction."
769
- reason: "NOC violation. Please use corr. Company Name & ID"
774
+ code: XZC
775
+ description: Internal Return. Please honor the previous NOC and follow the suggested corrections before submitting the transaction.
776
+ reason: NOC violation. Please use corr. Company Name & ID