R72

What Is ACH Return Code R72?

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 R72, also known as “Untimely Dishonored Return," is a standard code used in Automated Clearing House (ACH) transactions.

RDFIs are responsible for sending transaction returns and ODFIs are responsible for sending dishonored returns. This code indicates that the ODFI did not send a dishonored return within the timelines specified by Nacha. The ODFI must transmit a return for R72 within 5 banking days.

How To Address ACH Return Code R72

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 R72, you should reach out directly to the ODFI for assistance resolving this return code.

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.