Returns File Format. Revised 6/10/2010 Page 1 of 8

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Transcription:

Returns File Format Revised 6/10/2010 Page 1 of 8

Col Name Data Type Length Description 1 Collection Level Alpha/Numeric 50 Collection service such as guarantee, charge back to merchant, NOC s, etc. 2 Merchant ID Numeric 6 3 Accept Date (Tran Date) Numeric 8 Note: Time stamp not included Format: mmddyyyy 4 Routing Number/ Numeric 9 ABA Number 5 Account Number Numeric 17 6 Check Number Alpha/Numeric 15 7 Amount Numeric 10 Last 2 digits carry cents 8 Tran ID Numeric 6 9 ACH Date Numeric 8 Note: Time stamp not included Format: mmddyyyy 10 Return Date (Date Return) Numeric 8 Note: Time stamp not included Format: mmddyyyy 11 Batch Number Numeric 6 Note: Generated by T-Tech 12 Return Reason Alpha/Numeric 5 Code 13 Return Reason Alpha/Numeric 75 14 Return Type Code Alpha 2 Return Type: V (Visa POS) UC (Unresolved - Credit) UD (Unresolved - Debit) C (Credit) D (Debit) R (Redistributions) Blank 15 NOC Data 1 Numeric 28 Populated with NOC changes 16 NOC Data 2 Numeric 28 Populated with NOC changes 17 NOC Data 3 Numeric 28 Populated with NOC changes 18 Customer ID Character 23 Check writer s identification: DL= StateCode -Drivers License CC=Courtesy Card SS=Social Security No. 19 Field 19 Character 25 Return Disposition 20 Field 20 ---- -- Blank 21 Tran Reference Character 25 This field will be passed back on reports Revised 6/10/2010 Page 1 of 8

ACH has three types of returns: a. Retires - Financial (R01 R83) b. Notification of Change - Non-financial (information C01 C09) c. Redistributions, R01 & R09 only. (Redeposit of a NSF or Uncollected Funds item but no financial entry is made to the deposit account. This is just to let you know another attempt is being made to pay the item) It is for information purposes only. a. The financial returns have Return Reason Codes beginning with RXX, where XX represents a numerical value. For instance a R01 is a financial return meaning the account did not have sufficient funds. All returns with a RXX Return Reason Code will have a dollar amount equal to or greater than $0.01. The RXX Return Reason Codes apply to both debit and credit transactions and are found in the Return Reason Code (Field 12) of the returns file. The debit/credit indicator is found in the Return Type Code (Field 14) of the return file. b. Non-financial returns have a reason code beginning with CXX, where XX represents a numerical value. The CXX indicates the information that was sent on the original ACH transaction was incorrect but the receiving bank was able to process it. NACHA requires you to update your database with these changes. If you do not, you are in violation of the NACHA rules and may be fined. The CXX return gives the corrected information to be used for any future ACH transactions. This data is found in the Return Reason Code (Field 12) of the returns file. For example a C01 means the account number sent on the original ACH transaction was incorrect but the receiving bank was able to locate the correct account and did post the item to the correct account. The C01 return record will have the correct account number in the NOC Data 1 (Field 15) of the returns file and you should update your database with the correct information before sending another ACH record for that customer. All returns beginning with a CXX in the Return Reason Code field will always have a dollar value of $0.00 and can apply to either debit or credit transactions. The debit/credit indicator for these records can also be found in the Return Type Code (Field 14) of the returns file. c. Redistributions are returned debits with a R01 or a R09 return code that has been resubmitted for payment. Your account is not debited for any Redistribution. This is information just to let you know that the transaction was returned and resubmitted for payment again. These records are identified with a R in the Return Type Code (Field 14). They have a dollar amount equal to or greater than $0.01 in the amount field (Field 7), however your account is not debited. The numerical value of all returns are listed on the following page with a full explanation of each type of return. Only debit your merchants when the Return Type Code (Field 14) is populated with D or UD and the Return Reason Code (Field 12) has a code of RXX. Only credit your merchants when the Return Type Code (Field 14) is populated with C or UC and the Return Reason Code (Field 12) has a code of RXX. Revised 6/10/2010 Page 2 of 8

ACH R/I Codes Return Reason Codes for RDFIs R01 - Insufficient Funds - available balance is not sufficient to cover the dollar value of the debit entry. (Eligible for redistribution) R02 - Account Closed - previously active account has been closed by customer or RDFI. R03 - No Account/Unable to Locate Account - account number structure is valid and passes editing process, bit does not correspond to individual or is not an open account. R04 - Invalid Account Number - account number structure not valid; entry may fail check digit validation or may contain an incorrect number of digits. R05 - Reserved R06 - Returned per ODFI's Request - ODFI has requested RDFI to return the ACH entry (optional to RDFI - ODFI indemnifies RDFI). R07 - Authorization Revoked by Customer - consumer, who previously authorized ACH payment, has revoked authorization from Originator (must be returned no later than 60 days from settlement date and customer must sign affidavit). R08 - Payment Stopped - Receiver of a recurring debit transaction has stopped payment to a specific ACH debit. RDFI should verify the Receiver's intent when a request for stop payment is made to insure this is not intended to be a revocation of authorization. R09 - Uncollected Funds - sufficient book or ledger balance exists to satisfy dollar value of the transaction, but the dollar value of transaction is in process of collection (i.e., uncollected checks) or cash reserve balance below dollar value of the debit entry. (Eligible for redistribution) R10 - Customer Advises Not Authorized - consumer has advised RDFI that Originator of transaction is not authorized to debit account (must be returned no later than 60 days from settlement date of original entry and customer must sign affidavit). R11 - Check Truncation Entry Returned - used when returning a check safekeeping entry; RDFI should use appropriate field in addenda record to specify reason for return (i.e., "exceeds dollar limit," "stale date," etc.). R12 - Branch Sold to Another DFI - financial institution receives entry destined for an account at a branch that has been sold to another financial institution. Revised 6/10/2010 Page 3 of 8

R13 - RDFI Not Qualifed to Participate invalid ACH routing number for electronic transactions. Not valid routing number. R14 - Account-holder Deceased [Representative Payee Deceased or Unable to Continue in that Capacity] - account-holder is deceased (used in the event of death of a Representative Payee. guardian, or trustee). R15 - Beneficiary Deceased [Beneficiary or Account Holder (Other Than a Representative Payee) Deceased] - beneficiary entitled to payments is deceased. R16 - Account Frozen - funds unavailable due to specific action by the RDFI or by legal action. R17 - File Record Edit Criteria - fields not edited by the ACH Operator are edited by the RDFI; field(s) causing processing error must be identified in the addenda record of return. R18 - Improper Effective Entry Date R19 - Amount Field Error R20 - Non Transaction Account - ACH entry is destined for a non-transaction account (i.e., an account against which transactions are prohibited or limited). R21 - Invalid Company Identification - number used in the Company ID field in error. R22 - Invalid Individual ID Number - in CIE entry the Individual ID Number is used by the Receiver to identify the account; Receiver has indicated to RDFI that number Originator identified is not correct. R23 - Credit Entry Refused by Receiver - Receiver refuses credit entry because of one of the following conditions: (1) minimum amount required by Receiver has not been remitted, (2) exact amount required has not been remitted, (3) account subject to litigation and Receiver will not accept transaction, (4) acceptance of transaction results in overpayment, (5) Originator is not known by Receiver, or (6) Receiver has not authorized the credit entry. R24 - Duplicate Entry - RDFI has received what appears to be a duplicate entry (i.e., trace number, date, dollar amount and/or other data matches another transaction). R25 - Addenda Error R26 - Mandatory Field Error R27 - Trace Number Error R28 - Routing Number Check Digit Error R29 - Corporate Customer Advises Not Authorized - RDFI has been notified by Receiver (nonconsumer) that entry was not authorized. R30 - RDFI Not Participant in Check Truncation Program R31 - Permissible Return Entry (CCD and CTX only) - RDFI has been notified by ODFI that ODFI agrees to accept a return entry beyond normal return deadline. Revised 6/10/2010 Page 4 of 8

R32 - RDFI Non-Settlement R33 - Return of XCK Entry - RDFI, at its discretion, returns an XCK entry (code only used for XCK returns) XCK entries may be returned up to 60 days after settlement date. R34 - Limited Participation DFI R35 - Return of Improper Debit Entry R36 - Reserved R37 - Reserved - The source document to which an ACH entry relates has been presented for payment. R38 - Reserved R39 - Reserved R40 - Non-Participant in ENR Program (ENR only) [Return of ENR Entry by Federal Government Agency (ENR only)] R41 - Invalid Transaction Code (ENR only) R42 - Routing Number/Check Digit Error (ENR only) R43 - Invalid DFI Account Number (ENR only) R44 - Invalid Individual ID Number (ENR only)[invalid Individual ID Number/Identification Number (ENR only)] R45 - Invalid Individual Name (ENR only) [Invalid Individual Name/Company Name (ENR only)] R46 - Invalid Representative Payee Indicator (ENR only) R47 - Duplicate Enrollment (ENR only) R48 - Reserved R49 - Reserved R50 - State Law Affecting RCK Acceptance - RDFI is in one of the states that have not accepted the Uniform Commercial Code and hasn't revised its consumer agreements to allow for electronic presentment, OR the RDFI is in a state that requires all canceled checks to be returned in the consumer statement. R51 - Item Ineligible, No Notice, No Signature, Item Altered R52 - Stop Payment - RDFI determines that a stop payment has been placed on the item to which the RCK entry relates. RDFI has 60 days following settlement to return. R53 - Reserved - In addition to an RCK entry, the item to which the RCK entry relates has also been presented for payment. Revised 6/10/2010 Page 5 of 8

R54 - Reserved R55 - Reserved R56 - Reserved R57 - Reserved R58 - Reserved R59 - Reserved Dishonored Return Codes for ODFIs R60 - Reserved R61 - Misrouted Return - RDFI of the original entry has placed the incorrect transit/routing number in the Receiving DFI Identification field. R62 - Incorrect Trace Number - Trace Number found in positions 07-21 in the addenda record of the Return is different from the trace number of the original entry. R63 - Incorrect Dollar Amount - Dollar amount in the Entry Detail Record of the Return is different from the dollar amount of the original entry. R64 - Incorrect Invidual Identification - Individual ID number reflected in the Entry Detail Record of the Return is different from the Individual ID number used in the original entry. R65 - Incorrect Transaction Code - Transaction Code in the Entry Detail Record of the Return is not the return equivalent of the Transaction Code in the original entry. (All entries must be returned as received: i.e., credit as credit, debit as debit, demand as demand, savings as savings.) R66 - Incorrect Company Identification - Company ID number used in the Company/Batch Header Record of the Return is different from the ID number used in the original entry. R67 - Duplicate Return - ODFI has received more than one return for the same entry. R68 - Untimely Return - Return was not sent within the time frame established by the rules. R69 - Multiple Errors - Two or more fields are incorrect (i.e. original entry trace number, amount, individual ID number, company ID and/or Transaction Code). R70 - Permissible Return Entry Not Accepted R71 - Misrouted Dishonored Return R72 - Untimely Dishonored Return Revised 6/10/2010 Page 6 of 8

R73 - Timely Original Return R74 - Corrected Return R80 - CROSS BORDER CODING ERROR R81 - NON-PARTICIPANT IN CROSS-BORDER PROGRAM R82 - INVALID FOREIGN RECEIVING DFI INDENTIFICATION R83 - FOREIGN RECEIVING DFI UNABLE TO SETTLE Notification of Change (NOC) Codes for Transactions C01 Incorrect DFI Account Number C02 Incorrect Routing Number C03 Incorrect Routing Number and Incorrect DFI Account Number C04 Incorrect Individual Name/Receiving Company C05 Incorrect Transaction Code C06 Incorrect DFI Account Number and Incorrect Transaction Code C07 Incorrect Routing Number, Incorrect DFI Account Num and Incorrect Transaction Code C08 Incorrect Foreign Receiving DFI Identification C09 Incorrect Individual Identification Number Notification of Change Documentation (NOC) Fields 15, 16 and 17 Here is how the NOC information would be reported in our Export files: Change Code NOC Data 1 NOC Data2 NOC Data 3 C01 New Account Number C02 New Routing Number C03 New Routing Number New Account Number C04 New Name/Company C05 New Transaction Code C06 New Account Number New Transaction Code C07 New Routing Number New Account Number New Transaction Code C08 New DFI Identification C09 New Identification Number Revised 6/10/2010 Page 7 of 8