checkcare ach gateway reference - securepay€¦ · when a chargeback occurs, the merchant account...

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of CheckCare Enterprises, LLC. And is not to be distributed or copyrighted without written permission from CheckCare Enterprises, LLC.

Table of Contents

Overview............................................................................................................................. 3

Introduction..................................................................................................................... 3 Purpose............................................................................................................................ 3

Explanation of Screens ....................................................................................................... 4 Log-in.............................................................................................................................. 4 View................................................................................................................................ 5 Merchant Information ..................................................................................................... 6 Reports ............................................................................................................................ 6 Contacts........................................................................................................................... 7 Merchant Tools ............................................................................................................... 8 Drop Down Menu ........................................................................................................... 8

Transaction Options - Search.............................................................................................. 9 Search.............................................................................................................................. 9

Transaction Options - Export............................................................................................ 11 Export............................................................................................................................ 11 Save Mapping ............................................................................................................... 13 Using Previously Saved Export Map............................................................................ 14

Transaction Options – National Check Network (NCN) Verify ...................................... 15 NCN Verification.......................................................................................................... 15 Using NCN Verify ........................................................................................................ 15

Reports .............................................................................................................................. 16 Overview....................................................................................................................... 16

Reports – Cash Flow......................................................................................................... 17 View Cash Flow............................................................................................................ 17

Reports - Chargeback........................................................................................................ 19 Chargeback ................................................................................................................... 19

Reports – Late Return ....................................................................................................... 20 Late Return.................................................................................................................... 20

Reports – Current Batch.................................................................................................... 21 Current Batch ................................................................................................................ 21

Reports – Daily Activity ................................................................................................... 22 Daily Activity................................................................................................................ 22

Reports – Daily Activity Output ....................................................................................... 23 Daily Activity Output ................................................................................................... 23

Reports – Merchant Ledger .............................................................................................. 25 Merchant Ledger........................................................................................................... 25 Merchant Ledger Header Explanations ........................................................................ 26

1 Reports – NCN Report...................................................................................................... 27

NCN Report .................................................................................................................. 27

1

Reports – NOC Report...................................................................................................... 28 NOC Report .................................................................................................................. 28

Reports – Returned Transaction........................................................................................ 29 Returned Transaction .................................................................................................... 29

Reports – Settlement Report ............................................................................................. 30 Settlement Report.......................................................................................................... 30 Settlement Report Header Explanations ....................................................................... 31

Reports – Transaction Summary....................................................................................... 33 Transaction Summary ................................................................................................... 33

Utilities – ABA Search ..................................................................................................... 34 ABA Search .................................................................................................................. 34

Utilities – Merchant Management .................................................................................... 35 Merchant Management ................................................................................................. 35

Utilities – Merchant Summary.......................................................................................... 36 Merchant Summary....................................................................................................... 36

Refunds ............................................................................................................................. 37 Credit Transactions ....................................................................................................... 37

Useful Terminology.......................................................................................................... 38 Definitions..................................................................................................................... 38 Non-conforming Item ................................................................................................... 39 SEC Codes .................................................................................................................... 40

Return Codes..................................................................................................................... 41 Return Codes................................................................................................................. 41

NOC Codes ....................................................................................................................... 44 Notice of Change Codes ............................................................................................... 44

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Gateway Reference for Merchants

Overview

Introduction Welcome to the CheckCare ACH Gateway instruction guide. This document

contains the information you will need to successfully complete transactions, run reports, and store transactions.

Purpose The purpose of this guide is to:

• Explain merchant procedures and recent changes • Define industry terminology • Achieve optimal understanding of transactions

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Explanation of Screens

Log-in To use the CheckCare ACH Gateway the operator must first log in to the

system. The system may use a single log in or a dual log in. Follow the steps below to log in.

Step Action

1 Go to https://checkcareach.com/ Result: The page below displays.

2 Enter the assigned User Name and Password in the correct fields. 3 Click the “Logon” button.

Hint: If the user has a single log in, the main screen will appear. If the system displays a picture grid continue to the next section.

Continued on next page

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https://checkcareach.com/

Explanation of Screens, Continued

View After logging in, the merchant summary screen will appear. The screen

below shows a typical view for an operator with a user role.

Note: To return to this screen at any time, click on “ACH” in the upper left- hand corner of the screen.


Reports Available

Contacts

Merchant Information

Main Menu Merchant Tools

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Merchant Information

This section contains general information about the merchant. Contents include: Merchant Code (alphanumeric), Company Name, Address, Email, Phone Number, Status (Test Mode, Live Mode, Hold, etc.), and ISO Agent (sales representative). The “Edit” feature is for CheckCare Administrative purposes only. If a user clicks edit an access denied error will appear. Do not be alarmed, this is supposed to happen.

Reports The Merchant Administrator also has access to a number of reports. These

reports include: Current Batch, Daily Activity, Daily Activity Output, Ledger, Settlements, and View Cash Flow.

See the Reports section of this manual for an in-depth explanation of each report.

Note: Additional report options are available under by clicking the “Reports” section of the Main Menu dropdown lists.


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Contacts This section is for processing use only.


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Merchant Tools This section lists the transaction tools available to a merchant. Most options

are for administrative purposes only, merchants are unable to access these features. Three options are available to merchants: Export, Search, and View Bank Accounts.

See the Transaction Options section of this manual for an in-depth explanation of each merchant tool.

Drop Down Menu

On the left side of the window, three drop down menus are available, which provide additional options to the main window. These menus include:

Transactions Export, NCN Verify, and Search Reports Cash Flow, Chargeback, Late Return, Current Batch, Daily

Activity, Daily Activity Output, NCN Report, NOC Report, Returned Transaction, and Transaction Summary

Utilities ABA Search, Merchant Management, and Merchant Summary

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Transaction Options - Search

Search The “Search” option gives an operator the ability to search all transactions

regardless of status for a particular item or a group of items. The user can narrow or broaden the search by selecting specific pieces of information for search parameters.

Searches may include the following :

• Search by date range

• Search by account holder’s name

• Search by account number

• Search by address

• Search by city

• Search by batch number

• Search by individual transaction number

• Search by customer number

• Search by memo

Options can be combined in a number of different ways—search by account number, customer ID number and a date range all in one search. In order for a transaction to be found, it must match ALL fields entered in the search window.

Hint: The key to a successful search is the data entered when creating transactions. The more data entered into each of the fields, the more search options available.

Note: There is a quick search option for a transaction number search. There is a blank field under “LOG OUT.” Simply fill this in with the desired transaction number and click on the arrow to the right of the box.


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Transaction Options - Search, Continued

Search (continued)

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Transaction Options - Export

Export There are times when a user may want to export data entered into the

Gateway. The Transaction Export feature works the same as a search only it is more customizable, with the user entering a set of parameters such as a date range or person’s name. The user can then export results into a spreadsheet format to be saved on a personal computer.

Step Action

1 Select Export from the side menu. 2 Complete the fields applicable to the search. 3 Scroll down to the Field Export area. 4 Select the order of the information by choosing what information

appears in the first field (each field will be a column on the resulting spreadsheet) from the drop down menus beside each field.

Example: To see the name of the account holder in column one of the spreadsheet (the product of the export) select account name from the Field drop down menu.


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Transaction Options - Export, Continued

Export (continued)

Step Action

5 Repeat step four until all information to be presented on the spreadsheet has been assigned a field.

6 Click the “Export Data” button.

Hint: the request may take a few moments to process.

7 Click on the file name displayed under “Results File.”

8 A window will appear asking you for the appropriate action.

Choose “Open” to open it directly (if possible), “Save” to download this file for use, or “Cancel” to abort.


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Save Mapping Save mapping is used to store export options. This allows a user to store

specified export format criteria. Storing criteria allows an export to be run without reselecting criteria every time.

Step Action

1 Follow steps 1-5 from the “Export” section of this document. 2 Click “Save Mapping.”

Result: The following window will appear.

Fields specified in step one will be listed in the “Export Mapping Details.”

3 If saving the export mapping…

Then…

With a new file name Type the desired file name in the lower left text box.

To an existing file-format Choose the file from the lower right dropdown box.

Hint: The current file format can be set as the default file format by clicking in the box next to the words “Make it as my default file format.”

4 Click “Save Mapping.” 5 Click “Continue.”


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Using Previously Saved Export Map

To access a previously saved export map, follow the steps below.

Step Action

1 Click on “Export” under the left Transaction dropdown menu. 2 Scroll down to the “Export Format” section. 3 Click on the “File Name” dropdown menu. 4 Select desired saved mapping. 5 Click “Export Data.”

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Transaction Options – National Check Network (NCN) Verify

NCN Verification

NCN Verify is a tool to determine if there is any negative information on an account or Driver’s License. Information is retrieved rapidly during the WebCheck submission from a national database of over 15 million bad check transactions, and records of approximately 200 million good check transactions. Negative information consists of any unpaid returned checks written from the customer’s account or unpaid checks using the customer’s driver license number. This negative information allows the user to determine if a check writer is a good risk.

When using NCN verify, the operator may receive one of three responses: Approved with an approval number, Declined, or Manager needed. The only transactions guaranteed are those that receive a six digit approval code. Only approved transactions will be generated. Declined transactions will automatically be voided.

Using NCN Verify

To use the NCN Verify option, enter the requested information in each of the fields and click the “Perform NCN Verify” button to see results.

Note: This option is not used on a regular basis as it is part of the process of creating a new transaction.

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Reports

Overview There are several report options available to Manager Operators.

Reports listed can be accessed from the Reports box on the main “Merchant Summary” screen (shown below). Reports can also be accessed from the drop down menu on the left side of the screen.

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Reports – Cash Flow

View Cash Flow

The “CashFlow” Report produces a calendar showing the projected cash flow for the month (funds are typically in the merchant’s bank account on the day the money shows up on the calendar). To access prior months’ information click on the arrow above the “Sunday” column. To access future month information click on the arrow above the “Saturday” column. This report does NOT account for any fees or reserve withholdings.

The turquoise highlight indicates today’s date.

The purple highlight appears when the operator clicks on a date.

The report does account for any current returns. Clicking the file ID link allows the operator to view details of each batch.


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Reports – Cash Flow, Continued

View Cash Flow (continued)

Details of the Batch File are viewable by clicking on the Merchant ID.

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Reports - Chargeback

Chargeback When an item is disputed as an R05, R07, R08, R10, or R29 (see Return

Codes index for definitions) and the dispute takes place AFTER the 4th day when the file is settled to the merchant, the item is called a chargeback. The Chargeback report will list the transaction id, name, date, amount, and return code. When a chargeback occurs, the merchant account is notified via email. The email contains the amount of the chargeback and the file ID number (for security reasons account information is not transmitted via email). To see which transaction has now been charged back, log into the gateway, go to reports, and down to chargebacks. Enter the file ID number that was in the email. A list of all transactions that were charged back under that file ID number will be displayed.

Follow the steps below to view the report.

Step Action

1 Click “Reports” dropdown on the left side menu. 2 Click “Chargeback” from the options listed under “Reports.” 3 Enter the Chargeback to and from dates. 4 Click “Run Report” button to display the chargebacks.

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Reports – Late Return

Late Return The Late Return report generates a list of late returns by date. A late return is

any return that comes back after settlement. The Late Return report will list the transaction id, name, date, return code, amount, and whether or not it was settled. When a late return occurs, the merchant account is notified via email. The email contains the amount of the return and the file ID number (for security reasons account information is not transmitted via email). To see which transaction has now been marked as a late return, log into the gateway, go to reports, and down to Late Return. Enter the file ID number that was in the email. A list of all transactions that were charged back under that file ID number will be displayed.

Step Action

1 Click “Reports” dropdown on the left side menu. 2 Click “Late Return” from the options listed under “Reports.” 3 Enter the Late Return From and To dates. 4 Click “Run Report” to view the Late Returns.

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Reports – Current Batch

Current Batch This screen allows the merchant to view and modify pending transactions that

are scheduled to be processed the next business day. This option is the last chance for the user to view and change a pending transaction before it is processed.

Step Action

1 Click “Current Batch.” 2 By default, the Current Batch report for the merchant will be

displayed. To access the report for a submerchant, use the Search button.

3 Click the word “Update Report.” Result: A list of Transactions appears.

Note: To make changes to a transaction click on the Transaction ID in the left column

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Reports – Daily Activity

Daily Activity The daily activity link connects to a report that shows a summary for the

current day. This report is broken into 4 categories; items which are processed, settled, returned, and returned late.

Step Action

1 Click “Daily Activity.” 2 Select Desired date range. 3 Click “Run Report.”

Note: Clicking on the icon next to the “Date From” field will populate date range options. Selecting one of these options will automatically populate the date range fields.

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Reports – Daily Activity Output

Daily Activity Output

This report creates a downloadable file of all activity for the current date. The information below shows the format of the daily activity output file layout and offers a brief description of codes used. For the purpose of this section “field” is interchangeable with column.


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Reports – Daily Activity Output, Continued

Daily Activity Output (continued)

To retrieve the Daily Activity Output report click on the Daily Activity Output link from the Reports dropdown menu. Result: The activity output for the current day is displayed. To view information from another date follow the steps below.

Step Action

1 Go into the “Daily Activity Output” screen.

2 Enter the Submerchant Account (if applicable) and the date of the daily activity report to be viewed.

3 Click the “Run Report” button. 4 Select the blue results file link to view the activity report in Excel.

Hint: To save the file on the hard drive, right click on the file name and choose “Save target As…” from the drop-down menu.

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Reports – Merchant Ledger

Merchant Ledger

This report produces a view of the merchant ledger for a specified month. The merchant ledger shows the merchant’s current account standing (general ledger) with CheckCare. A ledger entry is made each day that the business is open.

The entry shows the total business sent on a given day, any fees associated with those transactions, any returns that are generated because of those transactions, any charge backs, and any settlements that are paid to the merchant.

If accessing the report from the…

Then

Dropdown menu on the left window.

1. Click on “Merchant Ledger.” 2. Select Desired Report Period. 3. Click “Run Report.”

Merchant Summary Page 1. Click “Ledger.”

• Click “Prev Month” to the left side of the screen to access the previous month.

• Click “Next Month” to the right side of the screen to access the following month.

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Reports – Merchant Ledger, Continued

Merchant Ledger Header Explanations

The terms below will help with interpretation of the Merchant Ledger Report. Note: Parentheses around a number is money going to CheckCare. A number without parentheses is money going to the merchant.

Term Description

ID The ID number associated with a specific ledger entry. Each submerchant has their own id for each file. The ID is listed in the first column of the Merchant Ledger. Click on an ID to view details about that day’s history.

Sub Merchant

If account is setup with submerchant, the Sub Merchant column will be populated. If an account has submerchant codes, there will be a daily entry made for all submerchant codes that had activity.

File ID The file ID number is the ID for the items transmitted out that date. Click on the File ID to view details of a particular date.

Type The type of transaction the entry is for. ACH – Automated Clearing House transaction CB – Chargeback ATMV – ATM Verify

Opening The opening balance for that day – it is the gross figure. This is the seventh column of the Merchant Ledger.

Current The current balance for that day – it is a net figure, which includes any returns that may have come in since the items were sent out and fees that are due.

Balance The running balance of each day combined with any beginning balance (from the previous month) that may exist.

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Reports – NCN Report

NCN Report This Report displays all transactions that have been NCN verified for the

specified date range. Enter the “NCN Date From” and “To” and click the “Run Report” button to display all NCN verified transactions within the range.

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Reports – NOC Report

NOC Report The Notice of Change (NOC) Report displays transactions that require

updates prior to the next batch submission. This report should be run at the close of business each day to verify that customer account information has been corrected in accordance with NACHA guidelines. Fines may be charged to merchants for non-compliance with NACHA Rules regarding updating account information when an NOC is given. To run the report enter the “NOC Date From” and “To” and click the “Run Report” button.

Corrected transactions appear on a screen like the one below.

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Reports – Returned Transaction

Returned Transaction

To display a list of Returned transactions enter the “Return Date From” and “To”, then click the “Run Report” button.

Click any item to see more information. A new page displays with several options for processing this return item. At the bottom of the page, in the transaction history section, the return code is listed with any other notes.

Note: CHECKCARE WILL HANDLE ALL RETURNS EXCEPT R10 (CUSTOMER ADVISES NOT AUTHORIZED), R07 (CUSTOMER ADVISES NOT AUTHORIZED), AND R08 (STOP PAYMENT).

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Reports – Settlement Report

Settlement Report

The “Settlements” link produces a table with the Settlements for the month and fees. Each of the columns can be sorted by clicking the column title. Settlements means that an ACH transaction has been generated to credit the merchant for any items owed or debits for any items that may be owed. This report displays all transactions that settled on a given day or date range. To display a list of Settled transactions enter the “Settlement Date From” and “To”, then click the “Run Report” button.

The resulting report can be sorted by clicking on the column title.

Please keep in mind that settlements are done on the 4th day after the date of the transaction.


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Reports – Settlement Report, Continued

Settlement Report Header Explanations

The terms below will help with interpretation of the Settlement Report. Note: Parentheses around a number is money going to CheckCare. A number without parentheses is money going to the merchant.

Term Description SID The Settlement ID. File The file id that the settlement was settled from. Details of each

file are viewable by clicking on the file id. Details include whether individual transactions were settled or returned.

Type The type of transaction the entry is for. ACH – Automated Clearing House transaction LR – Late return RSRV – Reserve release. (Withdrawn reserves are included in the ACH transactions of the Settlement Report).

Sub Merchant

If account is setup with submerchant, the Sub Merchant column will be populated. If an account has submerchant codes, there will be a daily entry made for all submerchant codes that had activity.

Debits The total dollar amount of debit transactions that have settled in the specified SID.

Offset Money held from a merchant to create a credit. Credits Credit transactions. If creating a credit for a previous debit,

first an offset will be created, then two days later the credit will be transmitted.

D/C Fee Debit or Credit fee (as defined by the merchant contract). NOC Fee Notice of Change fee (as defined by the merchant contract).


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Reports – Settlement Report, Continued

Settlement Report Header Explanations (continued)

Term Description

Return Fee

Return fee (as defined by the merchant contract).

LR Late Return. A return that has occurred after settlement. LR Fees Late Return fees (as defined by the merchant contract).

CB Chargeback. Rej Reject fee (as defined by the merchant contract). Fee applied

when CheckCare rejects a submission. An example would be fees for a transaction stopped by the data block.

Res Reserve amount taken out of the settlement. Discount Processing fee charged to the merchant. This amount is

normally based on a set percentage rate. Amt Balance after a settlement – it is a net amount.

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Reports – Transaction Summary

Transaction Summary

This report allows a merchant search history for a particular date range. It displays a total number of items that have been transmitted, returned, chargedback, voided, etc.

Step Action

1 Click “Reports” button on side menu. 2 Click “Transaction Summary” on side menu. 3 Select the type of transactions to be displayed from the

“Transaction Type” drop-down menu.

4 Enter the first date of the range in the “Date From” field. 5 Enter the end date of the range in the “To” field. 6 Click the “Run Report” button to display the report.

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Utilities – ABA Search

ABA Search The American Bankers Association assigns a unique number to every

financial institution, this number is called an ABA or Routing Number. This utility allows the user to search the system for bank information by entering the routing number of any financial institution.

Step Action

1 Click the “Utilities” button from the side menu. 2 Click on “ABA Search” 3 Enter the ABA number in the “Routing #” field.

4 Click the “Search” button. Result: The financial institution information displays.

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Utilities – Merchant Management

Merchant Management

This link located under the “Utilities” button on the side menu allows the user to search for the merchant account number and circle back to the Main Index Menu, first seen when entering the system. However, the Merchant Summary link is a more direct route to the same destination. This link is also accessible by clicking “ACH in the upper left corner of the screen just above the “Transaction” dropdown menu.

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Utilities – Merchant Summary

Merchant Summary

The Merchant Summary button located on the side menu under the “Utilities” button automatically brings the user back to the Main Index Menu first seen when entering the system.

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Refunds

Credit Transactions

In the instance that a refund or credit needs to be created for a transaction, follow the steps below.

Step Action

1 Search for the transaction following the steps listed in the “Transaction Options – Search” section of this manual.

2 Click on the desired transaction. 3 Click “Credit Transaction.”

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Useful Terminology

Definitions There are several references to industry specific terms or abbreviations in this

guide. While this section is not comprehensive, it serves as a reference.

Term Description ABA Search References banks listed with the Federal Reserve Bank. Authorization Requests

Tracks authorization requests for transactions.

Chargeback Lists all items reported, by the customer, as R07 or R10. Create Credit Offset

A credit offset is a debit transaction that is created when a merchant creates a credit transaction. This task will create the debit transaction sent to the merchant’s bank to cover their credits.

Company Returns

Typically credit offsets are due to insufficient funds that are on hold and do not leave the account. Debits returned after credits are released (chargebacks) put CheckCare at risk of losing money on a transaction. Company returns must be addressed by Merchant Services daily.

Data Blocks

This tool prevents transactions from originating against an account that has been blocked in the system. This is useful if a consumer requests that no further transactions be sent to their account by CheckCare. Adding an “r” account number to this tool will prevent further transactions from transmitting.

Debit Transaction Hold

During the course of the day, debit transactions are created by merchants and held for various reasons. All held transactions should be verified prior to originating the evening files.

Fee Transfer Transfers funds from file settlement into a company’s bank account.

Merchant Ledger

Provides an overview of a merchants account standing (general ledger) with CheckCare. The last line shows the balance due or owed.

Merchant Management

This section contains pertinent information about Merchants and sub merchants.


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Useful Terminology, Continued

Definitions (continued)

Term Description

Non-conforming Item

An item that does not conform to the proper rules and regulations for the various SEC codes to include but not limited to maintaining proper authorizations. For instance, if an item is sent out and processed and then the bank or consumer requests a copy of the authorization and the merchant cannot provide that authorization, then that makes this item a non-conforming item because the rules say that a merchant must obtain and maintain all authorizations for 2 years.

Notification of Change (NOC)

Provides a list of all Notification of Changes received on originated transactions. It is very important that these items are check on a daily basis. An item that the bank corrects and processes rather than simply returning the item unpaid/unprocessed. Not all banks will correct items.

Some banks have a policy that they are to return the item period. When a bank makes a correction (can be a change in routing number, fixing an item that was submitted as a savings account rather than a checking account, etc.) they send back a notification to that is forwarded to the merchant to make any corrections. Merchants can face fines if the customer information is submitted a second time without being updated.

Process Chargeback Transaction

A chargeback is a transaction that has been returned after the settlement date. The Process Chargeback Transactions task creates daily chargeback transactions.


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Useful Terminology, Continued

TNon-conforming ItemTTT (continued)

Term Description

Process Return Files

Return files are received from the Originating Depository Financial Institution (ODFI) and processed daily. Upon processing the file, all transactions within the file post to the Merchant’s ledger. The Return File must process before daily settlement occurs.

Release Credit Hold

Any credit transaction that is created by a merchant is automatically placed on a 2 day hold. This task will release the applicable holds and the transaction status will change to Pending and the transactions will get originated in the next file.

Release Reserves

Used for merchants that have reserves taken from their settlements; it creates transactions for returning reserve funds when the reserve period has ended (normally a rolling 90 day period).

Reserve Transfer

Transfers reserve money to a company’s Reserve Account.

Return Exceptions

Return files are received daily. Process Return Exceptions exist when items in return files do not match originated items.

Returned Transaction

Lists all items that have been returned as unpaid.

Run Transaction Filter

The transaction filter assists the company with voiding any transaction that should not be originated to the ODFI. Such transactions include items that have already been returned once; it would be against National Automated Clearing House Association (NACHA) rules for the transactions to go out again.

SEC Codes PPD, RCK, WEB, ARC, CCD, TEL Send Files This task transmits the daily files to the ODFI. Settlement Lists settlements made to the merchant account for a specific

timeframe. Settlement Windows

There are two settlement windows for originated files, 2 Day File and 4 Day File. When files are “Settled”, transactions are created for the merchants within the file. CheckCare generally uses 4 Day Filing.

Transaction Summary

A summary of all activity the merchant account has generated during a specific time frame.

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Return Codes

Return codes and ACH return reasons. Codes in bold are the codes seen most often.

Return Codes

Code Description R01 Insufficient Funds R02 Account Closed R03 No Account/Unable to Locate Account R04 Invalid Account Number R05 Reserved R06 Returned per ODFIs Request R07 Authorization Revoked by Customer R08 Payment Stopped or Stop Payment on Item R09 Uncollected Funds R10 Customer Advises Not Authorized R11 Check Truncation Entry Return R12 Branch sold to another DFI R13 RDFI not qualified to participate R14 Re-presentment payee deceased or unable to continue in that

capacity R15 Beneficiary of account holder deceased R16 Account Frozen R17 File record edit criteria R18 Improper effective entry date R19 Amount field error R20 Non-Transaction Account R21 Invalid company identification R22 Invalid individual ID number R23 Credit entry refused by receiver R24 Duplicate entry R25 Addenda error R26 Mandatory field error R27 Trace number error R28 Routing number check digit error


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Return Codes, Continued

Return Codes (continued)

Code Description

R29 Corporate customer advises not authorized R30 RDFI not participant in check truncation program R31 Permissible return entry R32 RDFI non-settlement R33 Return of XCK entry R34 Limited participation DFI R35 Return of improper debit entry R36 Return of improper credit entry R40 Return of ENR entry by Federal Government Agency (ENR only) R41 Invalid transaction code (ENTR only) R42 Routing number/check digit error R43 Invalid DFI account number (ENR only) R44 Invalid individual ID number (ENR only) R45 Invalid individual name/company name (ENR only) R46 Invalid representative payee indicator (ENR only) R47 Duplicate enrollment R50 State Law Affecting RCK Acceptance R51 Item is Ineligible, Notice Not Provided, Signature not genuine R52 Stop Payment on Item R61 Misrouted return R62 Incorrect trace number R63 Incorrect dollar amount R64 Incorrect individual identification R65 Incorrect transaction code R66 Incorrect company identification R67 Duplicate return R68 Untimely Return R69 Multiple Errors


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Return Codes, Continued

Return Codes (continued)

Code Description

R70 Permissible return entry not accepted R71 Misrouted dishonored item R72 Untimely dishonored return R73 Timely original return R74 Corrected return R80 Cross-Border Payment Coding Error R81 Non-Participant in Cross-Border Program R82 Invalid Foreign Receiving DFI Identification R83 Foreign Receiving DFI Unable to Settle

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NOC Codes

Notice of Change codes and ACH return reasons. Codes in bold are the codes seen most often.

Notice of Change Codes

Code Description C01 Incorrect DFI Account Number C02 Incorrect Transit/Routing Number C03 Incorrect Transit/Routing Number and Incorrect DFI Account

Number C04 Incorrect Individual Name C05 Incorrect Transaction Code C06 Incorrect DFI Account Number and Incorrect Transaction Code C07 Incorrect Transit/Routing Number, Incorrect DFI Account

Number, and Incorrect Transaction Code C08 Reserved C09 Incorrect Individual Identification Number C10 Incorrect Company Name C11 Incorrect Company Identification C12 Incorrect Company Name and Company Identification C13 Addenda Format Error C61 Misrouted Notification of Change C62 Incorrect Trace Number C63 Incorrect Company Identification Number C64 Incorrect Individual Identification Number C65 Incorrectly Formatted Corrected Data C66 Incorrect Discretionary Data C67 Routing Number Not From Original Entry Detail Record C68 DFI Account Number Not From Original Entry Detail Record C69 Incorrect Transaction Code

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