2009
Table Of Contents
- Contents
- Signing Up for Payflow ACH Payment Service
- About ACH Payments
- Summary of Authorization Requirements
- How Payflow ACH Payment Works
- ACH Payment Flow
- Timetable for a Typical ACH Payment
- Example of a Successful Business-to-Business Debit/Sale Payment
- Example of a Business-to-Business Sale/Debit Payment With a Customer Return Within Three Posting Days
- Example of a Business-to-Consumer Sale/Debit Payment With a Customer Return After Three Posting Days
- Example of a Successful Business-to-Consumer Credit Payment
- Example of a Business-to-Consumer Credit Payment With a Customer Side Return
- ACH Payment Types
- Retrying Returned Payments
- Notifications of Change
- Using PayPal Manager to Perform ACH Payments
- Using the Payflow Pro SDK to Perform ACH Payments
- Testing ACH Payments Using the Payflow SDK
- Responses to ACH Payment Requests
- Index
Responses to ACH Payment Requests
ACH Status Codes
8
50 Payflow ACH Payment Service Guide
NACHA Return Status Codes
Status values starting with the letter R are NACHA-specification reject and return reason
codes that indicate that the consumer portion of the payment has been returned (typically a
closed bank account, invalid bank account, insufficient funds, or dispute). If a payment is
unsuccessful, PayPal usually gets the return message from the ACH network within 2 to 4
business days of payment submission.
TABLE 8.2 NACHA return codes
Code Description Detail
R01 Insufficient funds Available balance is not sufficient to cover the
amount of the debit entry
R02 Bank account closed Previously active amount has been closed by the
customer of RDFI
R03 No bank account/unable to locate
account
Account number does not correspond to the
individual identified in the entry, or the account
number designated is not an open account
R04 Invalid bank account number Account number structure is not valid
R06 Returned per ODFI request ODFI requested the RDFI to return the entry
R07 Authorization revoked by
customer
Receiver has revoked authorization
R08 Payment stopped Receiver of a recurring debit has stopped payment of
an entry
R09 Uncollected funds Collected funds are not sufficient for payment of the
debit entry
R10 Customer advises not authorized Receiver has advised RDFI that originator is not
authorized to debit his bank account
R11 Check truncation entry return To be used when returning a check truncation entry
R12 Branch sold to another RDFI RDFI unable to post entry destined for a bank
account maintained at a branch sold to another
financial institution
R13 RDFI not qualified to participate Financial institution does not receive commercial
ACH entries
R14 Representative payee deceased or
unable to continue in that capacity
The representative payee authorized to accept entries
on behalf of a beneficiary is either deceased or
unable to continue in that capacity
R15 Beneficiary or bank account
holder
(Other than representative payee) deceased* - (1) the
beneficiary entitled to payments is deceased or (2)
the bank account holder other than a representative
payee is deceased