R68

What Is ACH Return Code R68?

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 R68, also known as "Untimely Return," is a standard code used in Automated Clearing House (ACH) transactions. This code indicates, according to Nacha, that, “The return entry has not been sent within the timeframe established by the Rules.” The ODFI must transmit a return for R68 within 5 banking days.

How To Address ACH Return Code R68

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.

If you encounter R68, you will need to reach out to the RDFI to let them know that you have missed the deadline for the transaction and that the payment can’t be completed as a result. They can then help you request a return reversal, so that you can re-process the transaction correctly.

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.