VectraBank (batch) Response Codes:

ACH/eCheck Notification of Change Codes (US) (Processing Codes)
Direct Debit Response Codes (US ACH) (Processing Codes)

Transaction Responses

ACH/eCheck Notification of Change Codes (US)

Code	Message	Description
C01	Account number is incorrect or is formatted incorrectly	Customer's account number is incorrect or malformatted.
C02	Due to merger or consolidation, a once valid transit/routing number must be changed	Transit or routing number is not valid anymore and must be changed.
C03	Due to a merger or consolidation, the transit/routing number must be changed; and account number structure is no longer valid	Transit or routing number must be changed. Account number structure is invalid.
C04	Customer has changed name or ODFI has submitted the name incorrectly	Customer's name is incorrect or malformatted.
C05	Transaction code is incorrect and is causing entry to be routed to the wrong account application	Transaction code is incorrect.
C06	Account number is incorrect and transaction is being routed to the wrong type of account	Bank account number should be changed and transaction code should indicate posting to another account type (demand/savings).
C07	Due to a merger or consolidation, a transit/routing number must be changed; account number structure is no longer valid; and, the transaction should be routed to another account type	Transit/routing number, bank account number and transaction code should be changed.
C08	Incorrect Foreign Receiving DFI Identification	For IAT entries only which are not allowed to be originated at this time.
C09	Individuals ID number is incorrect	Individual’s ID number is incorrect or malformatted.
C10	Due to Merger or consolidation, the company name carried on the file of the ODFI is no longer valid	Company name is no longer valid and should be changed.
C11	Due to merger or consolidation, the company ID is no longer valid and should be changed	Company ID is no longer valid and should be changed.
C12	Due to merger or consolidation, the company name and company ID are no longer valid	Both the company name and company ID are no longer valid and should be changed.
C13	Entry Detail Record was correct, but information in the addenda record was unclear/formatted incorrectly (i.e., addenda information is not formatted in NSI or NACHA endorsed banking conventions)	Addenda information is malformatted.
C61	Misrouted Notification of Change	Notification of change has been refused due to misrouting.
C62	Incorrect Trace Number	Notification of change has been refused due to incorrect trace number.
C63	Incorrect Company Identification Number	Notification of change has been refused due to incorrect company ID.
C64	Incorrect Individual Identification Number	Notification of change has been refused due to incorrect customer's ID.
C65	Incorrectly Formatted Addenda Information	Notification of change has been refused due to malformatted addenda information.
C66	Incorrect Discretionary Data	Notification of change has been refused due to incorrect discretionary data.
C67	Routing Number Not From Original Entry Detail	Notification of change has been refused due to routing number mismatch.
C68	DFI Account Number Not from Original Entry Detail Record
C69	Incorrect Transaction Code	Notification of change has been refused due to incorrect transaction code.

Direct Debit Response Codes (US ACH)

Code	Message	Description
E03	Transaction data integrity validation error	Transaction data has not been validated by the processor.
E05	Bank account is blacklisted	ACH account is blacklisted.
R01	Insufficient Funds	Available balance is not sufficient to cover the dollar amount of the debit entry.
R02	Account Closed	Previously active account has been closed by customer or customer's bank.
R03	No Account/Unable to Locate Account	Account structure is valid and passes editing process, but does not correspond to individual or is not an open account (this can also be because the account type is wrong).
R04	Invalid Account Number	The account number is not valid. The transaction may have failed the digit validation or may contain an incorrect number of digits.
R05	Unauthorized debit to consumer account using corporate SEC Code	A CCD debit entry was transmitted to a consumer account and was not authorized by the consumer.
R06	ODFI Requests Return	ODFI has requested RDFI to return the ACH entry (optional to RDFI).
R07	Revoked Authorization	Consumer, who previously authorized ACH payment, has revoked authorization from originator. Must be returned no later than 60 days from settlement date and customer must sign affidavit.
R08	Stop Payment or Stop on Source Document	Receiver of a recurring debit transaction has stopped payment on a specific ACH debit. RDFI should verify the receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization.
R09	Uncollected Funds	Sufficient book or ledger balance exist to satisfy dollar value of the transaction in process of collection brings available or cash reserve balance below dollar value of the debit entry.
R10	Advised as Unauthorized	Customer has authorized RDFI that originator of transaction is not authorized to debit account. Must be returned no later than 60 days from settlement date of original entry and customer must sign affidavit.
R11	Customer Advises Entry Not in Accordance with the Terms of the Authorization.	Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12	Account at Other Branch	Financial institution receives entry destined for an account at a branch that has been sold to another financial institution.
R13	RDFI not qualified to participate	Financial institution is not qualified to participate in ACH or the routing number is incorrect.
R14	Death of Representative Payee	Account holder is deceased (used in the event of a representative payee, guardian, or trustee).
R15	Death of Beneficiary or Account Holder	(1) The beneficiary is the person entitled to the benefits and is deceased. The beneficiary may or may not be the account holder; (2) the account holder (acting in a non-representative payee capacity) is an owner of the account and is deceased.
R16	Account Frozen	Funds unavailable due to specific action by the RDFI or by legal action.
R17	File Record Edit Criteria	Fields not edited by the ACH operator are edited by the RDFI. Fields causing processing error must be identified in the addenda record of return.
R18	Improper Effective Entry Date	The date entered in the ACH transaction record is invalid and the transaction cannot be processed. The effective entry date for a debit entry is more than one banking day after the processing date.
R19	Amount Field Error	The payment was entered for an amount of $0, or a paper-check conversion (ARC or BOC) was entered for over $25,000.
R20	Non-Transaction Account	ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited).
R21	Invalid Company ID	The identification number used in the company identification field is not valid.
R22	Invalid Individual ID Number	In CIE and MTE entries, the individual ID number is used by the receiver to identify the account. The receiver has indicated to the RDFI that the number with which the originator was identified is not correct.
R23	Credit Entry Refused by Receiver	Receiver refuses credit entry because of one of the following conditions: minimum amount required by receiver has not been remitted; exact amount required has not been remitted; the account is subject to litigation and the receiver will not accept the transaction; acceptance of the transaction results in an overpayment; the originator is not known by the receiver; the receiver has not authorized this credit entry to this account.
R24	Duplicate Entry	RDFI has received what appears to be a duplicate entry (i.e., trace number, date, dollar amount and/or other data matches another transaction).
R25	Addenda Error	Improper formatting of the addenda record information.
R26	Mandatory Field Error	For a TEL or WEB ACH transaction, the name of the account holder was not provided. For a CCD transaction, the name of the company was not provided.
R27	Trace Number Error	Original entry trace number is not valid for return entry or addenda trace numbers do not correspond with entry detail record.
R28	Routing Number Check Digit Error	The bank routing number is invalid.
R29	Corporate Entry Unauthorized	RDFI has been notified by receiver (nonconsumer) that entry was not authorized.
R30	RDFI Not Participant in Program	The customer’s bank does not participate in the ACH network.
R31	ODFI Permits Late Return	RDFI has been notified by ODFI that ODFI agrees to accept a return entry beyond normal return deadline.
R32	RDFI Non-Settlement	The RDFI is not able to settle the entry (customer’s bank rejected the transaction).
R33	Return of XCK Entry	RDFI, at its discretion, returns an XCK entry. This return reason code may only be used to return XCK entries. An XCK entry may be returned up to 60 days after its settlement date.
R34	Limited Participation DFI	The RDFI's participation has been limited by a federal or state supervisor.
R35	Return of Improper Debit Entry	ACH charge entries are not permitted on loan accounts.
R36	Return of Improper Credit Entry	ACH refund entries (with the exception of reversals) are not permitted for use with the WEB code.
R37	Source Document Presented for Payment	The source document to which an ARC, BOC, or POP entry relates has been presented for payment.
R38	Stop Payment on Source Document	Stop payment has been placed on a check used for an ARC entry.
R39	Improper Source Document	The RDFI determines that the source document used for an ARC, BOC or POP entry to its receiver’s account is improper pursuant to source documents subsections.
R40	Return of ENR Entry by Federal Government Agency	Federal government agency received an ENR believed to be fraudulent and then returned the ENR to the DFI.
R41	Invalid Transaction Code (ENR)	Transaction code value is invalid.
R42	Routing Number/Check Digit Error (ENR)	Routing number value is invalid.
R43	Invalid DFI Account Number (ENR)	Bank account number value is invalid.
R44	Invalid Individual ID Number (ENR)	Merchant ID value is invalid.
R45	Invalid Individual Name (ENR)	Individual name value is invalid.
R46	Invalid Representative Payee Indicator (ENR)	Representative payee indicator value is invalid.
R47	Duplicate Enrollment (ENR)	The same enrollment flow was initiated more than once.
R50	State Law Affecting RCK Acceptance	RDFI is in one of the states that have not accepted the гniform сommercial сode and hasn't revised its consumer agreements to allow for electronic presentment, or the RDFI is in a state that requires all canceled checks to be returned in the consumer statement.
R51	Item is Ineligible; Notice not Provided; Signature Not Genuine; Item Altered; Amount of Entry not Accurately Obtained	An RCK entry may be considered to be ineligible; the originator did not provide notice; all signatures on the item to which the RCK entry relates are not authentic or authorized, or the item to which the RCK entry relates has been altered; the amount of the RCK entry was not accurately obtained from the item.
R52	Stop Payment on Item	RDFI determines that a stop payment has been placed on the item to which the RCK entry relates. RDFI has 60 days following settlement to return.
R53	Item and ACH Entry Presented for Payment	In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment. The Receiver may request immediate credit from the RDFI for an RCK entry for the reason described above. The request must be made in writing within 15 days after the RDFI sends or makes available to the Receiver information relating to that debit entry. The Receiver must also provide the RDFI with a written statement under penalty of perjury, that both the RCK entry and the item to which it relates were presented for payment.
R61	Misrouted Return	Return entry was sent by RDFI to an incorrect ODFI routing number.
R62	Incorrect Trace Number	Trace number found in positions 07-21 in the addenda record of the return is different from the trace number of the original entry.
R63	Incorrect Dollar Amount	Dollar amount in the entry detail record of the return is different from the dollar amount of the original entry.
R64	Incorrect Individual ID	Individual ID number reflected in the entry detail record of the return is different from the individual ID number used in the original entry.
R65	Incorrect Transaction Code	Transaction code in the entry detail record of the return is not the return equivalent of the transaction code in the original entry. All entries must be returned as received: i.e., credit as credit, debit as debit, demand as demand, savings as savings.
R66	Incorrect Company ID	Company ID number used in the company/batch header record of the return is different from the ID number used in the original entry.
R67	Duplicate Return	ODFI has received more than one return entry for the same original entry.
R68	Untimely Return	Return entry did not meet the return deadline.
R69	Multiple Errors	Two or more fields are incorrect (i.e. original entry trace number, amount, individual ID number, company ID and/or transaction code).
R70	Permissible Return Not Accepted	The ODFI has received a return entry identified by the RDFI as being returned with the permission of, or at the request of, the ODFI, but the ODFI has not agreed to accept the entry or has not requested the return of the entry.
R71	Misrouted Dishonored Return	ODFI misrouted the dishonored return entry to the wrong RDFI using an incorrect routing number.
R72	Untimely Dishonored Return	ODFI did not submit the dishonored return entry within the 5 day deadline.
R73	Timely Original Return	RDFI certifies that the original return entry was submitted within the applicable deadline.
R74	Corrected Return	RDFI is correcting a previous return entry that was dishonored using return code R69 because it contained incomplete or incorrect information.
R75	Original Return Not a Duplicate	The original return entry was not a duplicate of an entry previously returned by the ODFI. This code may be used by the RDFI to contest an entry dishonored by the ODFI using return code R67 (Duplicate Return).
R76	No Errors Found	The original return entry did not contain the errors indicated by the ODFI in the dishonored return entry bearing return code R69 (Field Errors).
R80	Cross Border Coding Error	The IAT entry is being returned due to one or more of the following conditions: invalid DFI/bank branch country code; invalid DFI/bank identification number qualifier; invalid foreign exchange indicator; invalid ISO originating currency code; invalid ISO destination currency code; invalid ISO destination country code; *invalid transaction type value.
R81	Non-Participant in Cross Border Program	The IAT entry is being returned because the gateway does not have an agreement with either the ODFI or the gateway’s customer to transmit IAT entries.
R82	Invalid Foreign Receiving DFI Identification	The reference used to identify the foreign receiving DFI of an outbound IAT entry is invalid.
R83	Foreign Receiving DFI Unable to Settle	The IAT entry is being returned due to settlement problems in the foreign payment system.
R84	Entry Not Processed by Gateway	For outbound IAT entries, the entry has not been processed and is being returned at the gateway’s discretion because either: the processing of such entry may expose the gateway to excessive risk or the foreign payment system does not support the functions needed to process the transaction.
R95	Merchant profile configuration issue	Specified merchant profile was configured incorrectly.
R96	Incorrect merchant setup	Specified merchant is not set up correctly for the submitted transaction.
R97	Unmapped Returns	Specified processor's response code is not recognized by the system. The respective request of a received code clarification needs to be addressed to the processor.
R98	Non Participating Bank	ACH has been returned by non-participating bank.
R99	Transaction rejected by processor	Submitted transaction has been rejected by the processor.
X01	Processing Cancelled by User	Transaction processing has been cancelled by a customer.
X05	Account Verification Failed

Transaction Responses

Code	Type	Message	CSI Pay Code
01	Soft	Insufficient funds.	R01
02	Hard	Account Closed.	R02
03	Hard	No Account.	R03
04	Hard	Invalid Account Number.	R04
05	Hard	Unauthorized Debit to Consumer Account Using Corporate SEC Code	R05
06	Hard	ODFI Requests Return	R06
07	Hard	Revoked Authorization.	R07
08	Hard	Stop Payment or Stop on Source Document	R08
09	Soft	Uncollected Funds.	R09
10	Hard	Advised as Unauthorized.	R10
11	Hard	Check Safekeeping.	R11
12	Hard	Account at Other Branch.	R12
13	Hard	RDFI not Qualified to Participate.	R13
14	Hard	Death of Representative Payee.	R14
15	Hard	Death of Beneficiary or Account Holder	R15
16	Hard	Account Frozen.	R16
17	Hard	File Record Edit Creteria	R17
18	Hard	Improper Effective Entry Date	R18
19	Hard	Amount Field Error.	R19
20	Hard	Non-Transaction Account.	R20
21	Hard	Invalid Company ID.	R21
22	Hard	Invalid Individual ID Number.	R22
23	Hard	Credit Entry Refused by Receiver	R23
24	Hard	Duplicate Entry.	R24
25	Hard	Addenda Error.	R25
26	Hard	Mandatory Field Error.	R26
27	Hard	Trace Number Error.	R27
28	Hard	Routing Number Check Digit Error.	R28
29	Hard	Corporate Entry Unauthorized.	R29
30	Hard	RDFI not Participant in Program	R30
31	Hard	ODFI Permits Late Return.	R31
32	Hard	RDFI Non-Settlement.	R32
33	Hard	Return of XCK Entry.	R33
34	Hard	Limited Participation DFI.	R34
35	Hard	Return of Improper Debit Entry.	R35
36	Hard	Return of Improperpoper Credit Entry.	R36
37	Hard	Source Document Presented for Payment.	R37
38	Hard	Stop Payment on Source Document.	R38
39	Hard	Improper Source Document.	R39
40	Hard	Return of ENR Entry by Federal Government Agency.	R40
41	Hard	Invalid Transaction Code.	R41
42	Hard	Routing Number/Check Digit Error.	R42
43	Hard	Invalid DFI Account Number.	R43
44	Hard	Invalid Individual ID Number.	R44
45	Hard	Invalid Individual Name.	R45
46	Hard	Invalid Representative Payee Indicator.	R46
47	Hard	Duplicate Enrollment.	R47
50	Hard	State Law Affecting RCK Acceptance.	R50
51	Hard	Item Ineligible.	R51
52	Hard	Stop Payment on Item.	R52
53	Hard	Item and ACH Entry Presented for Payment	R53
61	Hard	Misrouted Return.	R61
62	Hard	Incorrect Trace Number.	R62
63	Hard	Incorrect Dollar Amount.	R63
64	Hard	Incorrect Individual ID.	R64
65	Hard	Incorrect Transaction Code.	R65
66	Hard	Incorrect Company ID.	R66
67	Hard	Duplicate Return.	R67
68	Hard	Untimely Return.	R68
69	Hard	Multiple Errors.	R69
70	Hard	Permissible Return not Accepted.	R70
71	Hard	Misrouted Dishonored Return.	R71
72	Hard	Untimely Dishonored Return.	R72
73	Hard	Timely Original Return.	R73
74	Hard	Corrected Return.	R74
75	Hard	Original Return not a Duplicate.	R75
76	Hard	No Errors Found.	R76
80	Hard	Cross Border Coding Error.	R80
81	Hard	Non-Participant in Cross Border Program.	R81
82	Hard	Invalid Foreign Receiving DFI Identification.	R82
83	Hard	Foreign Receiving DFI Unable to Settle.	R83
84	Hard	Entry not Processed by OGO.	R84
95	Hard	Merchant Profile Configuration Issue.	R95
96	Hard	Incorrect Merchant Setup.	R96
99	Hard	Transaction Rejected by Processor.	R99

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