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Fix rejected ACH payments or fees in QuickBooks Payments

by Intuit Updated 1 month ago

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.

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.

R ##
Reject code
What the code meansWhat you can do
R01/R09Insufficient funds/Uncollected funds
The available balance in your account isn't enough to cover the fees.
Check the balance of the bank account associated with your QuickBooks Payments account. If the funds are now available, or you want to pay your outstanding balance by credit card, contact our Customer Support team. Please have your Merchant Account info and case number ready.
R02Account Closed
The account you used for QuickBooks payments isn't active.
Change the deposit bank account for QuickBooks Payments.
R03/R04No 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.
R05Unauthorized Debit Entry
A business debit entry was transmitted to a member's consumer account, and the member didn't authorize the entry.
Change the deposit bank account for QuickBooks Payments or have your bank submit a bank letter to tell us the issue is fixed.
R06Returned 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.
R07Authorization 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 or have your bank submit a bank letter to tell us the issue is fixed.
R08Payment Stopped
You requested a stop payment with your bank.
Change the deposit bank account for QuickBooks Payments or have your bank submit a bank letter to tell us the issue is fixed.
R10/R29Customer 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 was not authorized.
Work with your bank to authorize payments coming from Intuit and QuickBooks. Change the deposit bank account for QuickBooks Payments. or have your bank submit a bank letter to tell us the issue is fixed.
R11Check Safekeeping Entry ReturnYou don't need to do anything. We'll work to fix the issue.
R12Branch Sold To Another DFI
Your current QuickBooks payment account info changed since your bank or branch was sold to another financial institution.
Change the deposit bank account for QuickBooks Payments. Add your new routing and account numbers for the account QuickBooks deposits payments into.
R13Bank Not Qualified to Participate
Your bank can't participate in automated clearing house or the routing number is incorrect
Change the deposit bank account for QuickBooks Payments.
R14/R15Account Holder Deceased
The 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.
R16Account 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.
R17File 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.
R20Non-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.
R21Invalid Company IdentificationThe NACHA handles these issues. You don't need to do anything.
R22Invalid Individual ID NumberThe NACHA handles these issues. You don't need to do anything.
R23Entry 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.
R24Duplicate 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

If a letter from your bank is required 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:

  • Official bank letterhead.
  • State that the issue with the account was resolved and the account is open and available for Intuit to 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 bank account has been updated, use the link provided in the email to upload the completed bank letter.

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