generated: '2026-07-23'
method: searched
source: https://developers.newline53.com/docs/ach-return-reason-codes
docs_pages:
  - https://developers.newline53.com/docs/ach-return-reason-codes
  - https://developers.newline53.com/docs/instant-payments-reject-codes-and-descriptions
scheme: nacha-ach-return-reason-codes
envelope_field: return reason code (on Returns / Transaction records)
notes: >-
  Newline runs ACH, wire, and Real-Time Payments rails; the ACH "decline"
  equivalent is the NACHA Return Reason Code carried on Received Returns and
  Originated Returns, plus Notification of Change (NOC) codes. Instant Payment
  (RTP) rejects have their own reject-code reference. Codes below are the
  Received Returns set published in the docs; a Timeframe/SEC-code subset applies
  to Originated Returns.
decline_codes:
  - {code: R01, meaning: Insufficient Funds, action: Available balance not sufficient to cover amount of entry}
  - {code: R02, meaning: Account Closed, action: Previously active account is closed}
  - {code: R03, meaning: No Account/Unable to Locate Account, action: Account number does not match an open account}
  - {code: R04, meaning: Invalid Account Number Structure, action: Account number structure is not valid}
  - {code: R05, meaning: Unauthorized Debit to Consumer Acct Using Corporate Code, action: Unauthorized corporate entry to consumer account}
  - {code: R06, meaning: Return requested by ODFI (Recall), action: ODFI requested the RDFI return an entry}
  - {code: R07, meaning: Authorization Revoked by Customer, action: Consumer claims authorization was terminated}
  - {code: R08, meaning: Payment Stopped, action: Receiver requested the debit be stopped prior to posting}
  - {code: R09, meaning: Uncollected Funds, action: Uncollected item brings available balance below entry amount}
  - {code: R10, meaning: Customer Advises Not Authorized, action: Consumer advises no authorization for a payment}
  - {code: R11, meaning: Entry Not in Accordance with Terms of Authorization, action: Consumer advises an error with a payment}
  - {code: R12, meaning: Account/Branch sold to another financial institution, action: RDFI no longer maintains the account}
  - {code: R14, meaning: Representative Payee Deceased or Unable to Continue, action: Representative payee of government payment deceased}
  - {code: R15, meaning: Account Holder/Beneficiary Deceased, action: Beneficiary or account holder deceased}
  - {code: R16, meaning: Account Frozen/Entry Returned Per OFAC Instruction, action: Funds unavailable due to RDFI or legal action}
  - {code: R17, meaning: File record edit criteria, action: Entry cannot be processed by RDFI; reason in addenda}
  - {code: R20, meaning: Non-Transaction Account, action: Policies/regulations restrict activity to account}
  - {code: R21, meaning: Invalid company identification, action: ID in Company ID field is not valid}
  - {code: R23, meaning: Credit Entry Refused by Receiver, action: Receiver requests to return credit entry}
  - {code: R24, meaning: Duplicate Entry, action: Receiver will not accept the duplicate payment}
  - {code: R29, meaning: Corporate Customer Advises Not Authorized, action: Specific payment not authorized by Receiver (Company)}
  - {code: R31, meaning: Permissible return entry, action: ODFI agrees to accept a return after the deadline}
  - {code: R33, meaning: Return of XCK Entry, action: RDFI returns an XCK entry (up to 60 days after settlement)}
  - {code: R37, meaning: Source document presented for payment, action: Source doc for ARC/BOC/POP entry presented for payment}
  - {code: R38, meaning: Stop Payment on source document, action: Stop payment on the source document (ARC/BOC)}
  - {code: R39, meaning: Improper source document, action: Source document used for ARC/BOC/POP deemed improper}
  - {code: R50, meaning: State Law Affecting RCK Acceptance, action: RDFI state has not adopted revised UCC article 4}
  - {code: R51, meaning: Item related to RCK Entry is Ineligible, action: RCK item not eligible or notice/signature issue}
  - {code: R52, meaning: Stop Payment on Item, action: Stop payment placed on item the RCK entry relates to}
  - {code: R53, meaning: Item and RCK Entry presented for payment, action: Both RCK entry and check presented for payment}
  - {code: R70, meaning: Permissible return not accepted, action: ODFI has not agreed to accept a permissible return}
masked_to_buyers: false