ACH Codes and Transaction Types
ACH Codes
Here is a list of the most common return and change codes seen by Gusto Embedded partners. For a comprehensive list, click here.
| R00 | Manually Canceled |
| R01 | Insufficient Funds |
| R02 | Account Closed |
| R03 | No Account/Unable to Locate Account |
| R04 | Invalid Account Number Structure |
| R05 | Unauthorized Debit to Consumer Account Using Corporate SEC Code |
| R06 | Return per ODFI's Request |
| R07 | Authorization Revoked by Customer |
| R08 | Payment Stopped |
| R09 | Uncollected Funds |
| R10 | Customer Advises Not Authorized, Improper, or Ineligible |
| R11 | Check Truncation Entry Return |
| R12 | Account Sold to Another DFI |
| R13 | Invalid ACH Routing Number |
| R14 | Representative Payee Deceased or Unable to Continue in That Capacity |
| R15 | Beneficiary or Account Holder Deceased |
| R16 | Account Frozen |
| R17 | File Record Edit Criteria |
| R18 | Improper Effective Entry Date |
| R19 | Amount Field Error |
| R20 | Non-Transaction Account |
| R21 | Invalid Company Identification |
| R22 | Invalid Individual ID Number |
| R23 | Credit Entry Refused by Receiver |
| R24 | Duplicate Entry |
| R25 | Addenda Error |
| R26 | Mandatory Field Error |
| R27 | Trace Number Error |
| R28 | Routing Number Check Digit Error |
| R29 | Corporate Customer Advises Not Authorized |
| R30 | RDFI Not Participant in Check Truncation Program |
| R31 | Permissible Return Entry |
| R32 | RDFI Non-Settlement |
| R33 | Return of XCK Entry |
| R34 | Limited Participation DFI |
| R35 | Return of Improper Debit Entry |
| R36 | Return of Improper Credit Entry |
| R37 | Source Document Presented for Payment |
| R38 | Stop Payment on Source Document |
| R39 | Improper Source Document/Source Document Presented for Payment |
| R40 | Return of ENR Entry by Federal Government Agency |
| R41 | Invalid Transaction Code |
| R42 | Routing Number / Check Digit Error |
| R43 | Invalid DFI Account Number |
| R44 | Invalid Individual ID Number |
| R45 | Invalid Individual Name/Company Name |
| R46 | Invalid Representative Payee Indicator |
| R47 | Duplicate Enrollment |
| R50 | State Law Affecting RCK Acceptance |
| R51 | Item related to RCK Entry is Ineligible or RCK Entry is Improper |
| R52 | Stop Payment on Item Related to RCK Entry |
| R53 | Item and RCK Entry Presented for Payment |
| R61 | Misrouted Return |
| R67 | Duplicate Return |
| R68 | Untimely Return |
| R69 | Field Error(s) |
| R70 | Permissible Return Entry Not Accepted/Return Not Requested by ODFI |
| R71 | Misrouted Dishonored Return |
| R72 | Untimely Dishonored Return |
| R73 | Timely Original Return |
| R74 | Corrected Return |
| R75 | Return Not a Duplicate |
| R76 | No Errors Found |
| R80 | IAT Entry Coding Error |
| R81 | Non-Participant in IAT Program |
| R82 | Invalid Foreign Receiving DFI Identification |
| R83 | Foreign Receiving DFI Unable to Settle |
| R84 | Entry Not Processed by Gateway |
| R85 | Incorrectly Coded Outbound International Payment |
| C01 | Incorrect Bank Account Transfer |
| C02 | Incorrect Transit/Routing Number |
| C03 | Incorrect Transit/Routing Number and Bank Account Number |
| C04 | Bank Account Name Change |
| C05 | Incorrect Payment Code |
| C06 | Incorrect Bank Account Number and Transit Code |
| C07 | Incorrect Transit/Routing Number, Bank Account Number, and Payment Code |
| C09 | Incorrect Individual ID Number |
| C10 | Incorrect Company Name |
| C11 | Incorrect Company Identification |
| C12 | Incorrect Company Name and Company ID |
| C13 | Addenda Format Error |
Transaction Types
A list of all transaction_type values are attached below:
Credit balance transfer
Credit bank verification
Credit child support garnishment
Credit Concession
Credit contractor payment refund
Credit contractor payment
Credit donation
Credit employee flex pay
Credit employee pay
Credit employee saving
Credit everyday pay repayment
Credit flex pay fee
Credit flex pay principal
Credit flex repayment
Credit instant flex pay funding
Credit internal error expense
Credit Overpayment
Credit payroll fee
Credit Refund
Credit tax penalty
Credit tax refund
Credit tax
Credit test transaction
Credit unclaimed property
Credit vendor bill
Credit wages and tax refund
Credit wages refund
Debit balance transfer
Debit bank verification
Debit child support garnishment
Debit contractor payment
Debit donation
Debit employee everyday pay WEB
Debit employee flex pay TEL
Debit employee flex pay WEB
Debit FX Revenue
Debit HI Commission
Debit historical tax
Debit net pay
Debit Overpayment
Debit Partner Commission
Debit payroll fee
Debit Refund
Debit reimbursement
Debit tax correction
Debit tax
Debit vendor bill
Interest Income
Partner promotion payout
Partner rev share payout
Recovery payment
Tax department fee
Tax department payment
Wire payment fee
Updated 5 months ago