Fix rejected ACH payments or fees in QuickBooks Payments

QuickBooksHelp · ‎January 23, 2019

Find out what R## codes mean and what you need to do to fix them. Here's what you can do if you have issues with customers' credit card payments.

If you have QuickBooks Payments, you can accept ACH bank transfers from customers to pay for invoices and other sales.

In the rare case an ACH payment you process is rejected, don't worry. If there's ever an issue getting ACH payments into your bank account, we'll send you an email. The email gives you a specific code, describes the problem, and guides you through what to do. Any related fees will also be in the email.

Here are the R## codes you may see in the email and what you can do to fix them.

Step 1: Learn about R## codes

Always follow the steps in the email we send you. We'll always send the most up-to-date info. Use the chart below as a reference.

Once you resolve the issues in the email, move on to Step 2.

R ## Reject code	What the code means	What you can do
R01R09	Insufficient funds/Uncollected fundsThe available balance in your account isn't enough to cover the fees.	Check the balance of the bank account you use to pay fees for QuickBooks Payments.If the funds are now available, or you want to pay your fees by credit card, call us at 888-692-9559.Please have your Merchant Account info and case number ready.
R02	Account ClosedThe account you used for QuickBooks payments isn't active.	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.
R03R04	No Account/Unable to Locate Account/Invalid Account NumberThe account number doesn't match the individual on the payment, or the account isn't valid.	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.
R05	Unauthorized Debit EntryA business debit entry was transmitted to a member's consumer account, and the member didn't authorize the entry.	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.orHave your bank write to us to confirm they resolved the issue. Have your bank submit a bank letter.
R06	Returned at Our Bank's RequestWe (Intuit) didn't accept the payment.	You don't need to do anything. We'll work to fix the issue.
R07	Authorization Revoked by CustomerYou previously authorized an entry but revoked the authorization. This means you stopped the deposit.If you use a corporate account, make sure you tell your bank to accept deposits from QuickBooks Payments.	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.orHave your bank write to us to confirm they resolved the issue. Have your bank submit a bank letter.
R08	Payment StoppedYou requested a stop payment with your bank.	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.orHave your bank write to us to confirm they resolved the issue. Have your bank submit a bank letter.
R10R29	Customer Advises Not Authorized/ Corporate Customer Advises Not AuthorizedYou told your bank that Intuit isn't authorized to debit your account and/or an entry was not authorized.	Work with your bank to authorize payments coming from Intuit and QuickBooks.Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.orHave your bank write to us to confirm they resolved the issue. Have your bank submit a bank letter.
R11	Check Safekeeping Entry Return	You don't need to do anything. We'll work to fix the issue.
R12	Branch Sold To Another DFIYour current QuickBooks payment account info changed since your bank or branch was sold to another financial institution.	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.Add your new routing and account numbers for the account QuickBooks deposits payments into.
R13	Bank Not Qualified to ParticipateYour bank can't participate in ACH or the routing number is incorrect	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.
R14R15	Account Holder DeceasedThe account holder has died (used in the event of a Representative Payee, Guardian, or trustee).	If the account holder is deceased, please send us a Death Certificate.Depending on the bank's policy, you may need to send a letter or change the bank account completely.Have your bank submit a bank letter.
R16	Account FrozenFunds unavailable due to legal action or your bank. In this case, you can't access your account.	Work with your bank and follow the proper procedures to fix your account. Sign in to the Merchant Service Center and update your bank account information in the Account Profile section. or Have your bank write to us to confirm they resolved the issue. Have your bank submit a bank letter.
R17	File Record Edit CriteriaYour bank rejected some portions of this item (identified in return addenda).	You do not need to do anything. We'll try to fix this issue.
R20	"Non-Transaction Account"Policies or regulations prohibit or limit ACH activity on your account.	Check the account you told QuickBooks to deposit payments into. Make sure it's a checking account or some other transactional account. It can't be a savings account.In general, savings accounts only allow a limited number of daily debits.If you need to change the account QuickBooks puts payments into, follow the steps to update your bank info.
R21	Invalid Company Identification	The NACHA handles these issues. You don't need to do anything.
R22	Invalid Individual ID Number	The NACHA handles these issues. You don't need to do anything.
R23	Entry refused by your bank due to one of the following:Minimum or exact amount not remittedAccount subject to litigationTransaction results in an overpaymentIntuit's bank not known by your bankYou didn't authorize payment	Sign in to the Merchant Service Center and update your bank account information in the Account Profile section.orHave your bank write to us to confirm they resolved the issue. Have your bank submit a bank letter.
R24	Duplicate EntryThe request appears to be a duplicate entry.	You don’t need to do anything. We’ll work to fix this issue.

Step 2: Contact us after you resolve the issue

After you make the changes related to the R## code, contact us to notify us of the change.

Submit a bank letter

If you need to submit a letter to Intuit from your bank to resolve an issue, there are several requirements. The letter needs to clearly state the reason the payment was rejected and that you followed the steps in the email to resolve it.

In addition, your bank letter must include all of the following:

Use a bank letterhead.
State that the issue with the account was resolved and the account is open and available for both ACH debits and credits.
Include your case number or Merchant Account Number (this info is in the email we send you).
Include your bank account number and the routing number.
Include a telephone number for a bank representative.
Be signed and dated by a bank representative.

Once the update to the bank account is complete, contact us to notify us of the change and options for sending the bank letter to us.