generated: '2026-07-18'
method: searched
source: https://developers.dwolla.com/docs/transfer-failures
kind: ach-return-codes
envelope_field: >-
  Returned on the transfer failure resource ("Retrieve the Transfer Failure Reason" endpoint) and on
  customer_bank_transfer_failed / customer_transfer_failed webhook events.
masked_to_buyers: >-
  Return codes are integration/operational signals surfaced to the application, not directly shown to
  end users; the docs recommend mapping codes to appropriate end-user messaging and funding-source
  actions.
decline_codes:
- code: R01
  meaning: Insufficient Funds — available balance inadequate for debit entry.
  action: None
- code: R02
  meaning: Bank Account Closed — previously active account now closed.
  action: Unverify or remove funding source.
- code: R03
  meaning: No Account / Unable to Locate Account — account number invalid or unmatched.
  action: Unverify or remove funding source.
- code: R04
  meaning: Invalid Bank Account Number Structure — account number format incorrect.
  action: Unverify or remove funding source.
- code: R05
  meaning: Unauthorized Debit Using Corporate SEC Code — CCD/CTX unauthorized to consumer.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R06
  meaning: Returned per ODFI's Request — originating bank requested return.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R07
  meaning: Authorization Revoked by Customer — consumer withdrew prior authorization.
  action: Deactivate customer; unverify or remove funding source.
- code: R08
  meaning: Payment Stopped — receiver requested stop payment on ACH debit.
  action: Unverify or remove funding source.
- code: R09
  meaning: Uncollected Funds — insufficient available balance after uncollected items.
  action: None
- code: R10
  meaning: Customer Advises Not Authorized — no relationship or authorization exists.
  action: Suspend customer; unverify/remove/blocklist funding source.
- code: R11
  meaning: Not in Accordance with Authorization Terms — inaccurate or improper entry.
  action: Deactivate customer; unverify or remove funding source.
- code: R12
  meaning: Branch Sold to Another DFI — account transferred via merger/acquisition.
  action: Remove funding source.
- code: R13
  meaning: Invalid ACH Routing Number.
  action: Unverify, remove, or blocklist funding source.
- code: R14
  meaning: Representative Payee Deceased — payee unable to continue capacity.
  action: Deactivate customer; remove funding source.
- code: R15
  meaning: Beneficiary or Account Holder Deceased.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R16
  meaning: Account Frozen / OFAC Return — restricted access or OFAC instruction.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R17
  meaning: File Record Edit Criteria / Questionable Entry.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R20
  meaning: Non-Transaction Account — account exceeds withdrawal limits.
  action: Remove or blocklist funding source.
- code: R22
  meaning: Invalid Individual ID Number — receiver disputes provided ID.
  action: Unverify funding source.
- code: R23
  meaning: Credit Entry Refused by Receiver.
  action: Unverify or remove funding source.
- code: R29
  meaning: Corporate Customer Advises Not Authorized.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R31
  meaning: Permissible Return (CCD/CTX) — RDFI returned agreed-upon entry.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R37
  meaning: Source Document Presented for Payment — ARC/BOC/POP document paid elsewhere.
  action: Remove funding source.
- code: R38
  meaning: Stop Payment on Source Document.
  action: Deactivate customer; unverify/remove/blocklist funding source.
- code: R51
  meaning: RCK Entry Ineligible or Improper.
  action: Deactivate customer; unverify/remove/blocklist funding source.