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Fix rejected ACH payments

by Intuit•164• Updated about 18 hours ago

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Learn how to fix rejected Automated Clearing House (ACH) payments in QuickBooks Payments.

QuickBooks Payments lets you accept ACH payments from your customers. If your ACH payment gets rejected, we’ll send you an email.

Notes:

The email includes the following info:
- Reference code (R##)
- Reason for the rejection
- Steps you need to take
- Any related fees
This article covers ACH rejections only. If you need help with declined customer credit card payments, see fix customer's declined credit card payments.

Learn about R## codes

Banks can reject ACH payments for many reasons. To fix the issue, follow the steps in the email we sent you and use this chart as a reference.

Here’s a list of the R## rejection codes, their meanings, and what you can do to resolve.

R ## Rejection code	What the code means	What you can do
R01/R09	Insufficient funds/Uncollected funds The available balance in your account isn't enough to cover the fees.	Check your account balance associated with your QuickBooks Payments account. If funds are available, or if you want to pay by credit card contact customer support. Have your Merchant Account info and case number ready.
R02	Account closed The account you used for QuickBooks Payments isn't active.	Change the deposit bank account for QuickBooks Payments.
R03/R04	No account/unable to locate account/invalid account number The account number doesn't match the individual on the payment, or the account isn't valid.	Change the deposit bank account for QuickBooks Payments.
R05	Unauthorized Debit Entry The member didn’t authorize the business debit entry sent to her consumer account.	Change the deposit bank account for QuickBooks Payments.
R06	Returned at our bank's request Intuit didn't accept the payment.	You don't need to do anything. We'll work to fix the issue.
R07	Authorization revoked by customer You 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.	Change the deposit bank account for QuickBooks Payments.
R08	Payment stopped You requested a stop payment with your bank.	Change the deposit bank account for QuickBooks Payments.
R10/R29	Customer advises not authorized/corporate customer advises not authorized You told your bank that Intuit isn't authorized to debit your account and/or an entry wasn’t authorized.	Work with your bank to authorize payments coming from Intuit and QuickBooks. Change the deposit bank account for QuickBooks Payments.
R11	Check Safekeeping Entry Return	You don't need to do anything. We'll work to fix the issue.
R12	Branch sold to another Development Finance Institution (DFI) Your bank or branch’s sale to another financial institution changed your current QuickBooks Payments account information.	Change the deposit bank account for QuickBooks Payments. Add your new routing and account numbers for the account QuickBooks deposits payments into.
R13	Bank not qualified to participate Your bank can't participate in an ACH or the routing number is incorrect.	Change the deposit bank account for QuickBooks Payments.
R14/R15	Account holder deceased The account holder has died (used in the event of a representative payee, guardian, or trustee).	Send us a death certificate if applicable. Depending on the bank's policy, you may need to change the bank account completely.
R16	Account frozen Funds 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. Change the deposit bank account for QuickBooks Payments or have your bank submit a bank letter to tell us the issue is fixed.
R17	File Record Edit Criteria Your 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 automated clearing house 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 remitted, Account subject to litigation, Transaction results in an overpayment, Intuit's bank not known by your bank, You didn't authorize payment.	Change the deposit bank account for QuickBooks Payments. Or, have your bank submit a bank letter to tell us the issue is fixed.
R24	Duplicate Entry The request appears to be a duplicate entry.	You don’t need to do anything. We’ll work to fix this issue.

Submit a required bank letter

In some cases, an ACH payment rejection requires a letter from your bank to resolve.

Your bank letter must include:

Official bank letterhead
A clear reason the payment was rejected
Your case number or Merchant Account Number (found in the rejection email we send to you)
Your bank account number and routing number
Confirmation that you have followed the steps in the email we sent
Confirmation that the issue with your account has been resolved
Confirmation that your account is open and available to process ACH debits and credits for Intuit
A telephone number for a bank representative.
A signature and date of signature from a bank representative

After your bank account has been updated, use the link provided in the ACH rejection email we sent to you to upload your bank letter.

Troubleshooting

Here are some common problems with ACH payment rejections and troubleshooting tips to resolve‌ them.

I didn’t receive an email after an ACH rejection.
The email is sent to the contact email associated with your QuickBooks Payments account. We suggest that you check your spam folder in case our email may have landed there.

My R## code isn’t listed in this article.
If you see a code in the ACH rejection email we send you, but you don’t see it listed here, follow the provided next steps provided in the email.

If you need additional support with ACH payment rejections, check out this article for options to contact us.

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