Guides

ACH Returns and Correction Notices Events

ACH Returns and Correction Notices Events provide real-time updates when an ACH transaction is returned or requires correction. These webhooks help you monitor return codes and correction descriptions, allowing your system to take immediate action on failed or adjusted ACH transactions.

Key ACH Webhook Events

Dispute ACH Return Received (dispute.ach_return_received)

Triggered when an ACH transaction is returned. This event includes details such as the return code, reason for the return (e.g., insufficient funds, closed account), and relevant transaction information.

{
    account: "acm_661efbfab86f650001450000",
    attemptId: "wha_67c7c1c34fd52744dcfbcecf",
    created: "1741144510",
    "data": {
        "object": {
            id: "disp_67c62cddf40dc54957111769",
            accountId: "acm_661efbfab86f65000145000",
            paymentRequest: "pr_67c5ce2527e3b85456291cae",
            sourceId: "ch_67c5ce2527e3b85456291caf",
            "relatedCases": [
                {
                    caseNumber: "121000123974640",
                    disputeState: "ach_return",
                    lastUpdated: "2025-03-03 00:00:00.000",
                    loadDate: "2025-03-03 00:00:00.000",
                    merchantComent: null,
                    resolvedDate: "2025-03-03 00:00:00.000",
                    hasDocs: false
                }
            ],
            amount: 47.81,
            caseType: "ach_return",
            caseTypeDescription: "Return",
            reasonCode: "R10",
            reasonDescription: "Customer Advises Originator is Not Known / Originator is Not Authorized to Debit Account",
            referenceNumber: "121000123974640",
            initialCaseNo: null,
            receivedAt: "2025-03-03",
            postedAt: "2025-03-05",
            transactionAt: "2025-03-03",
            loadAt: "2025-03-03 00:00:00.000",
            transactionAmount: "47",
            effectiveDate: "2025-03-03",
            routingNumber: "011000015",
            accountNumber: "1188207055",
            source: "ach",
           customerName:"Jose diaz",
           customerEmail: "[email protected]"
        }
    },
    id: "evt_67c7c1beb3897cba8b1b464b",
    object: "disp_67c62cddf40dc54957111769",
    "request": {},
    type: "dispute.ach_return_received"
}

ACH Return Codes and Descriptions

Below are GETTRX ACH return codes that indicate why an ACH transaction was returned:

Return CodeReason / Description
R01Insufficient Funds
R02Account Closed
R03No Account / Unable to Locate
R04Invalid Account Number
R05Unauthorized Debit to Consumer Account using Corporate SEC Code
R06Returned per ODFI's Request
R07Authorization Revoked
R08Payment Stopped
R09Uncollected Funds
R10Customer Advises Originator is Not Known / Originator is Not Authorized to Debit Account
R11Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12Account Sold to Another DFI
R13Invalid ACH Routing Number
R14Representative Payee Deceased
R15Beneficiary or Account Holder Deceased
R16Account Frozen
R17File Record Edit Criteria
R18Improper Effective Entry Date
R19Amount Field Error
R20Non-Transaction Account
R21Invalid Company Identification
R22Invalid Individual ID Number
R23Credit Entry Refused by Receiver
R24Duplicate Entry
R25Addenda Error
R26Mandatory Field
R27Trace Number Error
R28Routing Number Check Digit Error
R29Corporate Entry Unauthorized
R30RDFI Not Participant in Check Truncation Program
R31Permissible Return Entry
R32RDFI Non-Settlement
R33Return of XCX Entry
R34Limited Participation DFI
R35Return of Improper Debit Entry
R36Return of Improper Credit Entry
R37Source Document Presented for Payment
R38Stop Payment on Source Document
R39Improper Source Document / Source Document Presented for Payment
R40Return of ENR Entry by Federal Government Agency
R41Invalid Transaction Code
R42Routing Number Check Digit Error
R43Invalid DFI Account Number
R44Invalid ID Number / Identification Number
R45Invalid Individual Name / Company Name
R46Invalid Representative Payee Indicator
R47Duplicate Enrollment
R50State Law Affecting RCK Acceptance
R51Item Related to RCK Entry Is Ineligible or RCK Entry is Improper
R52Stop Payment on Item Related to RCK Entry
R53Item and RCK Entry Presented for Payment
R61Misrouted Return
R62Return of Erroneous or Reversing Debit
R67Duplicate Return
R68Untimely Return
R69Field Error(s)
R70Permissible Return Entry Not Accepted / Return Not Requested by ODFI
R71Misrouted Dishonored Return
R72Untimely Dishonored Return
R73Timely Original Return
R74Corrected Returned
R75Return Not a Duplicate
R76No Errors Found
R77Non-Acceptance of R62 Dishonored Return
R80IAT Entry Coding Error
R81Non-Participant in IAT Program
R82Invalid Foreign Receiver DFI Identification
R83Foreign Receiving DFI Unable to Settle
R84Entry Not Processed by Gateway
R85Incorrectly Coded Outbound International Payment

Dispute ACH Correction Notice Received (dispute.ach_correction_notice_received)

Sent when a financial institution issues a correction notice for an ACH transaction. This event provides details about the required updates, such as incorrect account numbers or customer information that need to be adjusted for future transactions.

{
    account: "acm_661efbfab86f650001450000",
    attemptId: "wha_67c7bf66912c11b1c879f5b7",
    created: "1741143908",
    "data": {
        "object": {
            id: "disp_67c62cddf40dc549574a0fbd",
            accountId: "acm_661efbfab86f650001450000",
            paymentRequest: "pr_67c5ce2327e3b85456291ca8",
            sourceId: "ch_67c5ce2327e3b85456291ca9",
            "relatedCases": [
                {
                    caseNumber: "121000125648067",
                    disputeState: "ach_correction",
                    lastUpdated: "2025-03-03 00:00:00.000",
                    loadDate: "2025-03-03 00:00:00.000",
                    merchantComent: null,
                    resolvedDate: "2025-03-03 00:00:00.000",
                    hasDocs: false
                }
            ],
            amount: 97.04,
            caseType: "ach_correction",
            caseTypeDescription: "Correction",
            reasonCode: "C01",
            reasonDescription: "Incorrect DFI Account Number",
            referenceNumber: "121000125648067",
            initialCaseNo: null,
            receivedAt: "2025-03-03",
            postedAt: "2025-03-05",
            transactionAt: "2025-03-03",
            loadAt: "2025-03-03 00:00:00.000",
            transactionAmount: "97",
            effectiveDate: "2025-03-03",
            routingNumber: "011000015",
            accountNumber: "1188207055",
            source: "ach",
              customerName:"Jose diaz",
           customerEmail: "[email protected]"
        }
    },
    id: "evt_67c7bf64f1881a85239e223a",
    object: "disp_67c62cddf40dc549574a0fbd",
    "request": {},
    type: "dispute.ach_correction_notice_received"
}

Correction Codes and Descriptions

Below are the GETTRX Correction codes that indicates what correction was made:

Correction CodeReason / Description
C01Account Number
C02Routing / Transit Number
C03Account Number & Routing / Transit Number
C05Transaction Code
C06Account Number & Transaction Code
C07Account Number & Routing / Transit Number & Transaction Code
C08Incorrect Receiving Financial Institution Identification
C09Incorrect Individual ID Number / Incorrect Receiver ID Number
C13Addenda Format Error
C14Incorrect SEC Code for Outbound International Payment

Why Subscribe to ACH Events?

Ensure Compliance

Take necessary corrective actions to meet ACH processing requirements.

Automate Workflows

Update customer records or notify merchants when an ACH return or correction is received.

Improve Transaction Success Rates

Reduce failed ACH payments by acting on correction notices promptly.

Updated about 1 month ago