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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.

R00Manually Canceled
R01Insufficient Funds
R02Account Closed
R03No Account/Unable to Locate Account
R04Invalid Account Number Structure
R05Unauthorized Debit to Consumer Account Using Corporate SEC Code
R06Return per ODFI's Request
R07Authorization Revoked by Customer
R08Payment Stopped
R09Uncollected Funds
R10Customer Advises Not Authorized, Improper, or Ineligible
R11Check Truncation Entry Return
R12Account Sold to Another DFI
R13Invalid ACH Routing Number
R14Representative Payee Deceased or Unable to Continue in That Capacity
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 Error
R27Trace Number Error
R28Routing Number Check Digit Error
R29Corporate Customer Advises Not Authorized
R30RDFI Not Participant in Check Truncation Program
R31Permissible Return Entry
R32RDFI Non-Settlement
R33Return of XCK 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 Individual ID 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
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 Return
R75Return Not a Duplicate
R76No Errors Found
R80IAT Entry Coding Error
R81Non-Participant in IAT Program
R82Invalid Foreign Receiving DFI Identification
R83Foreign Receiving DFI Unable to Settle
R84Entry Not Processed by Gateway
R85Incorrectly Coded Outbound International Payment
C01Incorrect Bank Account Transfer
C02Incorrect Transit/Routing Number
C03Incorrect Transit/Routing Number and Bank Account Number
C04Bank Account Name Change
C05Incorrect Payment Code
C06Incorrect Bank Account Number and Transit Code
C07Incorrect Transit/Routing Number, Bank Account Number, and Payment Code
C09Incorrect Individual ID Number
C10Incorrect Company Name
C11Incorrect Company Identification
C12Incorrect Company Name and Company ID
C13Addenda 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