generated: '2026-07-18'
method: searched
source: https://bakkt.readme.io/docs/ach-return-codes
context: ACH return codes returned on fiat funding (ACH) transactions; surfaced via FIAT_EVENT webhooks
  and Cash Activity reports.
envelope_field: reasonCode (ACH return code) on FIAT_EVENT webhook payloads
note: NACHA standard ACH return codes; list truncated to the R01-R24 range captured verbatim from the
  Bakkt docs table (the full table continues beyond R24).
decline_codes:
- code: R01
  meaning: Insufficient funds
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R02
  meaning: Account closed
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R03
  meaning: Unable to locate account or no account
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R04
  meaning: Invalid account number
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R05
  meaning: Unauthorized debit to consumer account using Corporate SEC code
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R06
  meaning: Returned due to ODFI's request
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R07
  meaning: Authorization revoked by customer
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R08
  meaning: Payment stopped
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R09
  meaning: Uncollected funds
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R10
  meaning: Customer advises unauthorized, improper, ineligible, or part of an incomplete transaction
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R11
  meaning: Check Truncation Entry Return
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R12
  meaning: Branch sold to another DFI
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R13
  meaning: Invalid ACH routing number
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R14
  meaning: Representative payee deceased or unable to continue in that capacity
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R15
  meaning: Beneficiary or account holder deceased
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R16
  meaning: Account frozen/entry returned per OFAC instruction
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R17
  meaning: File record edit criteria
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R18
  meaning: Improper effective entry date
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R19
  meaning: Amount field error
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R20
  meaning: Non-transaction account
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R21
  meaning: Invalid company identification
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R22
  meaning: Invalid individual ID number
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R23
  meaning: Credit entry refused by the receiver
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.
- code: R24
  meaning: Duplicate entry
  action: Notify the customer; the ACH debit/credit was returned and the funding did not settle.