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# 🔢 ACH Statuses, Error Codes

## Payment Status

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

| Status        | Meaning                                                                |
| :------------ | :--------------------------------------------------------------------- |
| Pending       | The initial state of the payment - it has been entered into the system |
| Batched       | The bank has received the payment information                          |
| Deposited     | The bank has informed the system that the payment can be settled       |
| Settled       | The system disburses the funds                                         |
| Returned      | The bank has refused the payment (see ACH processing error codes)      |
| Failed        | The payment was rejected by the bank on submission                     |
| Chargeback    | A customer attempted to reverse a settled payment                      |
| Refund Review | A payment could not be verified                                        |
| Refunded      | The payment was refunded (funds sent back)                             |

## ACH Processing Error Codes

Errors related to bank account transfers only.

| Code | Description                                                                                                                            |
| :--- | :------------------------------------------------------------------------------------------------------------------------------------- |
| R01  | Insufficient Funds                                                                                                                     |
| R02  | Account Closed                                                                                                                         |
| R03  | No Account/Unable to Locate Account                                                                                                    |
| R04  | Invalid Account Number                                                                                                                 |
| R05  | Unauthorized Debit Entry                                                                                                               |
| R06  | Returned per ODFI’s Request                                                                                                            |
| R07  | Authorization Revoked by Customer (adjustment entries)                                                                                 |
| R08  | Payment Stopped or Stop Payment on Item                                                                                                |
| R09  | Uncollected Funds                                                                                                                      |
| R10  | Customer Advises Not Authorized; Item Is Ineligible, Notice Not Provided, Signatures Not Genuine, or Item Altered (adjustment entries) |
| R11  | Customer Advises Entry Not in Accordance with the Terms of the Authorization                                                           |
| R12  | Branch Sold to Another DFI                                                                                                             |
| R13  | RDFI not qualified to participate                                                                                                      |
| R14  | Representative Payee Deceased or Unable to Continue in that Capacity                                                                   |
| R15  | Beneficiary or Account Holder (Other Than a Representative Payee) Deceased                                                             |
| R16  | Account Frozen                                                                                                                         |