R47

What Is ACH Return Code R47?

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 R47, also known as "Duplicate Enrollment," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates that the federal government has received a duplicate ENR entry from the same RDFI. This code only applies to Automated Enrollment Entry (ENR) entries, which are federal benefits that are paid out via direct deposit. There is no clearly defined timeline for a transaction being returned with R47.

How To Address ACH Return Code R47

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.

As R47 can only apply to ENR entries, it is a fairly uncommon return code. If you encounter R47, you should reach out to the government agency that you are transacting with and ask for their assistance in handling the return and any related issues.

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.