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Fix rejected ACH payments

by Intuit•124• Updated 6 days ago

An icon showing cash and a payment card Check out QuickBooks Payments rates and apply. Then, you can automatically process payments, deposit funds and record transactions in your books.

If an ACH payment is rejected, we’ll send you an email. The email includes a reference code (R##), describes the rejection reason, and provides next steps. Any related fees are also included in the email.

Prerequisites

QuickBooks Payments allows you to accept ACH payments from your customers. Learn more and apply.
This article covers ACH rejections only. If you need help with declined customer credit card payments, check out Fix customer's declined credit card payments.

Learn about R## codes

There are many reasons for an ACH payment rejection. To resolve your specific rejection, follow the steps in the email we send you, and use this chart a reference.

Here’s a list of the R## rejection codes, their meanings, and what you can 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 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.
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 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.
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 have 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.
R08	Payment 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/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 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.
R11	Check Safekeeping Entry Return	You don't need to do anything. We'll work to fix the issue.
R12	Branch 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.
R13	Bank Not Qualified to Participate Your bank can't participate in automated clearing house (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).	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 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.
Make sure to check the email inbox associated with your QuickBooks account. We also 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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