Occasionally, a transaction may fail when an ACH gift or payment is attempted. These rejections occur with bank account transactions. ACH gifts may decline or fail later.
Below is a list of common failed transaction codes and their descriptions for your convenience.
Code | Description |
R01 | Insufficient Funds - The available balance was not sufficient to cover the dollar value of the debit entry. |
R02 | Account Closed - The account is closed. |
R03 | No Account/Unable to Locate Account - The account number structure is valid and passes the validation process, but does not correspond to an individual or is not an open account. |
R04 | Invalid Account Number - The account number was not recognized by the account holder’s bank. |
R05 | Improper Debit to Consumer Account - The account holder has not authorized the debit, and the transaction was submitted as 'Corporate' instead of 'Personal'. |
R07 | Authorization Revoked by Customer - The account holder, who previously authorized the debit, has revoked that authorization. |
R08 | Payment Stopped - The account holder with a recurring debit transaction has stopped payment to this specific EFT debit. |
R09 | Uncollected Funds - The available balance was not sufficient to cover the dollar value of the debit entry. |
R10 | Customer Advises Not Authorized - The account holder has advised that the debit was unauthorized. |
R13 | Invalid Routing Number/Bank Not Qualified to Participate - The routing number is not recognized as a participating bank. |
R16 | Account Frozen - Funds are unavailable due to specific action by the bank or by legal action. |
R20 | Non Transaction Account - The EFT entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited). |
R24 | Duplicate Entry - The transaction has been flagged as a duplicate. |
R26 | Mandatory Field Error - Improper information in one of the mandatory fields. |
R28 | Routing Number Check Digit Error - The routing number is invalid. |
R29 | Corporate Customer Advises Not Authorized - The corporate account holder has advised that the debit was not authorized. |
R99 | Unspecified - The reason for the error is unspecified. |
Note: R codes are exclusive to the US. Canadian customers will not experience these types of rejections.
Updated