ACH Statuses, Error Codes

Learn about ACH statuses and processing error codes

Payment Status

ACH payments will be assigned different payment states during the process.

PendingThe initial state of the payment - it has been entered into the system
BatchedThe bank has received the payment information
DepositedThe bank has informed the system that the payment can be settled
SettledThe system disburses the funds
ReturnedThe bank has refused the payment (see ACH processing error codes)
FailedThe payment was rejected by the bank on submission
ChargebackA customer attempted to reverse a settled payment
Refund ReviewA payment on-chain was not able to be verified
RefundedThe payment was refunded (funds sent back)

ACH Processing Error Codes

Errors related to bank account transfers only.

R01Insufficient Funds
R02Account Closed
R03No Account/Unable to Locate Account
R04Invalid Account Number
R05Unauthorized Debit Entry
R06Returned per ODFI’s Request
R07Authorization Revoked by Customer (adjustment entries)
R08Payment Stopped or Stop Payment on Item
R09Uncollected Funds
R10Customer Advises Not Authorized; Item Is Ineligible, Notice Not Provided, Signatures Not Genuine, or Item Altered (adjustment entries)
R11Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12Branch Sold to Another DFI
R13RDFI not qualified to participate
R14Representative Payee Deceased or Unable to Continue in that Capacity
R15Beneficiary or Account Holder (Other Than a Representative Payee) Deceased
R16Account Frozen