When you receive an ACH reject, remove the customer from billing until you have resolved the issue.
If you receive a return other than R01 NSF (R01) or (R09) Uncollected Funds, our system will “e-block” the new transaction to that fatal bank account number. You or your customer may be required to provide a bank letter stating the account is no longer frozen, closed or has a dispute against it, etc. before we can remove the “e-block”.
R02 / E 02 (Closed acct)
Remove the customer from future billing, unless a bank letter states the account is in good standing.
R03 / E 03 (No account /Unable to locate account)
Verify the customer's banking information with a voided check or a bank letter, ensure no key in errors occurred and that the correct account type is selected (checking/savings).
R04 / E 04 (Invalid acct)
Verify the customer’s banking information with a voided check or a bank letter, ensure no key in errors occurred and that the correct account type is selected (checking/savings).
R05 / E 05 (Unauthorized debit)
Verify with the customer if bank account is personal or corporate. If personal, change billing to PPD. If corporate, request customer contact their bank.
R07 / E 07 (Authorization revoked by consumer)
Remove the customer from future billing, unless a new bank letter is received stating account is in good standing.
R08 / E 08 (Stop Payment)
Remove the customer from future billing, unless new bank letter received stating account is in good standing.
R10 / E 10 (Consumer advises not authorized)
Remove the customer from future billing, unless new bank letter received stating account is in good standing.
R11 / E11 (Customer Advises Entry Not in Accordance with the Terms of the Authorization)
Remove the customer from future billing, unless new bank letter received stating account is in good standing.
R13 / E 13 (RDFI Not Qualified to Participate)
Remove the customer from future billing as the account type may not support ACH.
R16 / E 16 (Frozen account)
Remove customer from future billing, unless a new bank letter is received stating account is in good standing.
R20 / E 20 (Non – Transaction Account)
Remove the customer from future billing.
R29 / E 29 (Corp Customer advises not authorized)
Please give the customer our company ID # 1383693141 and request a bank letter to reflect this change in order to remove the block.
R51 / E 51 (Item is Ineligible, Notice not provided, etc.)
Remove the customer from future billing.
For Unauthorized returns R05/R07/R08/R10/R11/R29 The following information is required to be on the bank letter. Once bank letter has been received, please send it to [email protected] and ask that the e-code be remove from the account.
For R16 Account Frozen returns, if customer states account is open and in good standing the same bank letter must be received.
Removal of E-Code Block:
The E-Code feature is not an overall opt-in/opt-out feature.
On a bank account basis, an individual E-Code block can be removed at a merchant's request. Below are the required steps for a merchant to request the removal of an E-Code return.
Merchant required to provide a letter from the customer’s bank on bank letterhead to Paya Services. Letters can be sent via Email or fax to Customer Support with request to remove a bank account number from the E-Code Return List.
Bank letter requirements
The account is active and in good standing.
The stop payment has been removed.
iii. The Company ID: 3383693141 has been added to allow debits.