R24

What Is ACH Return Code R24?

ACH return codes are used to identify the reason an ACH payment has been returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures.

ACH Return Code R24, also known as "Duplicate Entry," is a standard code used in Automated Clearing House (ACH) transactions. This code is employed to indicate that the same entry has been presented for payment more than once within the processing window. This could occur for various reasons, including unintentional resubmission of the same transaction, technical glitches, or system errors.

How To Address ACH Return Code R24

Nacha prescribes separate rules for handling each return code since each one represents a unique scenario. ODFIs (Originating Depository Financial Institutions) and RDFIs (Receiving Depository Financial Institutions) are responsible for handling ACH return codes according to these rules.

When an ACH transaction is returned with R24, it means that the transaction appears to be a duplicate entry of another transaction. The RDFI must return the transaction with code R24 within 2 banking days.

If you encounter R24, you will first want to double check whether or not the transaction is indeed a duplicate. If it is a duplicate transaction and the previous transaction has been correctly processed, there is no need to do anything else—in fact, you want to be very sure of whether or not the transaction is a duplicate to avoid potentially having two transactions returned and your funds not correctly processed. If the transaction is not a duplicate, you will want to reach out to your customer and their bank to get the transaction correctly processed.

What Is An ACH Return Code?

ACH return codes identify the reason an ACH payment was returned by the recipient's bank. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Each code begins with 'R' followed by a two digit number. ACH return codes are standardized and maintained by NACHA, the governing body for the ACH network.