Echeck Return Response Codes
NOTES:
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This response code list is for reference purposes only.
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This info is considered accurate as of time of publication.
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The response code list is subject to change, without notice
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Please use ‘FinalStatus’ to determine the transaction’s status. Use ‘resp-code’ and ‘MErrMsg’ to determine reason, if declined.
| Code | Type | Description |
| C01 | NOC | Account Number Corrected |
| C02 | NOC | Routing Number Corrected |
| C03 | NOC | Routing and Account Nbr Corrected |
| C04 | NOC | Individual Name Corrected |
| C05 | NOC | Transaction Code Corrected |
| C06 | NOC | Account Nbr and Incorrect Transaction Code Corrected |
| C07 | NOC | Routing Nbr, Acct Nbr and Transaction Code Corrected |
| C08 | NOC | Individual Identification Nbr Corrected |
| C09 | NOC | Company Name Corrected |
| C10 | NOC | Company Identification Corrected |
| C11 | NOC | Company Name and Identification Corrected |
| C12 | NOC | Corrected Addenda Format |
| C13 | NOC | Entry Detail Record was correct, but information in the addenda record was unclear/formatted incorrectly. |
| C61 | NOC | Misrouted notification of change |
| C62 | NOC | Incorrect trace number |
| C63 | NOC | Incorrect Company Identification Number |
| C64 | NOC | Incorrect Individual Identification Number |
| C65 | NOC | Incorrect Formatted Addenda Information |
| C66 | NOC | Incorrect Discretionary Data |
| C67 | NOC | Transit/Routing number not from original entry detail record |
| C68 | NOC | DFI Account Number not from original entry detail record |
| C69 | NOC | Incorrect Transaction Code |
| C99 | NOC | Miscellaneous |
| J01 | Reject | Duplicate Trace ID |
| J02 | Reject | Invalid File Header / File Trailer record |
| J03 | Reject | Invalid Batch Header / Batch Trailer record |
| J04 | Reject | Unknown Aggregator ID |
| J05 | Reject | Unknown Merchant ID |
| J06 | Reject | Invalid Payment Instruction Detail record |
| J07 | Reject | Invalid Merchant Account ID |
| J08 | Reject | Invalid Date |
| J09 | Reject | Invalid Amount |
| J10 | Reject | Invalid Payment Account Type |
| J11 | Reject | Invalid Bank / Account Information |
| J12 | Reject | Invalid Trace ID |
| J13 | Reject | Invalid Consumer Information |
| J14 | Reject | Ebill Identifier Information |
| J15 | Reject | Cannot accept non-ebill payments for this Merchant |
| J16 | Reject | Cannot accept ebill payments for this Merchant |
| J17 | Reject | Amount Exceeds Max Allowed |
| J18 | Reject | Amount Less Than Min Allowed |
| J19 | Reject | Invalid Posting Data |
| J20 | Reject | Invalid Transaction |
| J21 | Reject | Address / Zip Code Error |
| J22 | Reject | Negative Database - Potential Fraud |
| J99 | Reject | Miscellaneous |
| R01 | Return | Cleared |
| R02 | Return | Insufficient Funds |
| R03 | Return | No Account/Unable to Locate |
| R04 | Return | Invalid Account Number |
| R05 | Return | Prenote Required |
| R06 | Return | Returned Per ODFI’s Request |
| R07 | Return | Authorization Revoked By Customer |
| R08 | Return | Payment Stopped |
| R09 | Return | Uncollected Funds |
| R10 | Return | Customer Advises Not Authorized |
| R11 | Return | Check Safekeeping Entry Returned |
| R12 | Return | Branch Sold To Another DFI |
| R13 | Return | ACH Not Allowed By This Bank |
| R14 | Return | Account Holder Deceased |
| R15 | Return | Beneficiary Deceased |
| R16 | Return | Account Frozen |
| R17 | Return | File Record Criteria |
| R18 | Return | Improper Effective Date |
| R19 | Return | Amount Field Error |
| R20 | Return | Non-Transaction Account |
| R21 | Return | Invalid Company ID |
| R22 | Return | Invalid Individual ID Number |
| R23 | Return | Payment Refused By Biller |
| R24 | Return | Duplicate Entry |
| R25 | Return | Addenda Error |
| R26 | Return | Mandatory Field Error |
| R27 | Return | Trace Number Error |
| R28 | Return | Transit/Routing Check Truncation Program |
| R29 | Return | Corporate Customer Advises Not Authorized |
| R30 | Return | RDFI Not Participate In Check Truncation |
| R31 | Return | Permissible Return Entry |
| R32 | Return | RDFI Non-Settlement |
| R33 | Return | Return of XCK Entry |
| R34 | Return | Limited Participation DFI |
| R35 | Return | Return of Improper Debit Entry |
| R36 | Return | Return of Improper Credit Entry |
| R37 | Return | Source Document Presented For Payment |
| R50 | Return | State Law Affecting RCK Acceptance |
| R51 | Return | Item is Ineligible; Notice Not Provided; Signature not Genuine; Item Altered; Amount of Entry not Accurately obtained from Item |
| R52 | Return | Stop Payment on Item |
| R53 | Return | Item and ACH Entry Presented for Payment |
| R80 | Return | Cross Border Coding Error |
| R81 | Return | Non-participant in Cross Border Program |
| R82 | Return | Invalid Foreign Receiving DFI Identification |
| R83 | Return | Foreign Receiving DFI Unable to Settle |
| R84 | Return | Entry Not Processed by OGO |
| S01 | Scrub | Invalid Bank Info |
| S02 | Scrub | Invalid Account Info |
| S03 | Scrub | Amount exceeds threshold |
| S04 | Scrub | Amount below threshold |
| S05 | Scrub | Invalid card type |
| S06 | Scrub | Invalid expiration date |
| S07 | Scrub | Invalid posting date |
| S08 | Scrub | Invalid transaction |
| S09 | Scrub | Negative Database |
| S99 | Scrub | Miscellaneous |