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 NOC Codes
8
52 Payflow ACH Payment Service Guide
ACH NOC Codes
The ACH network provides Notifications of Change (NOCs)—notification that something
about a bank account has changed. For example, if you submit a payment for which the name
on the bank account has changed, then PayPal receives a NOC that lists the corrected
information.
After receiving a NOC, PayPal corrects subsequent payments for the affected bank account
using the updated information. This means that even if you submit a new payment using the
old information, PayPal submits the payment using the updated information.
You can use PayPal Manager’s Notifications of Change report (described in PayPal Manager
online help) to help you in updating your organization’s records.
R33 Return of XCK entry RDFI determines at its sole discretion to return an
XCK entry; an XCK return entry may be initiated by
midnight of the sixtieth day following the settlement
date if the XCK entry
R34 Limited participation RDFI RDFI participation has been limited by a federal or
state supervisor
R35 Return of improper debit entry ACH debit not permitted for use with the CIE
standard entry class code (except for reversals)
T
ABLE 8.3 Notification of Change codes
Code Reason Description
C01 Incorrect bank account
number
Bank account number incorrect or formatted incorrectly
C02 Incorrect transit/routing
number
Once valid transit/routing number must be changed
C03 Incorrect transit/routing
number and bank account
number
Once valid transit/routing number must be changed and
causes a change to bank account number structure
C04 Bank account name change Customer has changed name or ODFI submitted name
incorrectly
C05 Incorrect payment code Entry posted to demand account should contain savings
payment codes or vice versa
C06 Incorrect bank account
number and transit code
Bank account number must be changed and payment code
should indicate posting to another account type
(demand/savings)
T
ABLE 8.2 NACHA return codes(Continued)
Code Description Detail