Failed ePayments

An ePayment can fail for multiple reasons. When an ePayment fails, we send an email notification to users who are verified on the originating bank account. The email will contain a return code from the vendor's bank, giving the reason for the failure.

Jump to:

• Top 5 return code errors
• Resolve the cause of the failure
• Resolve the failed ePayment

Top 5 return code errors

Below are the top return codes for a failed ePayment but there are many other return codes that are possible.

R01

• Insufficient Funds - available balance isn't sufficient to cover the dollar amount of the debit entry

R02

• Account Closed - previously active account has been closed by customer or customer's bank

R03

• No Account/Unable to Locate Account - account structure is valid and passes editing process, but does not correspond to individual or is not an open account

R16

• Account and/or its funds are currently not available

R29

• Corporate Customer Advises Not Authorized - RDFI (Receiving depository financial institution) has been notified by Receiver (non-consumer) that entry wasn't authorized

We process ePayments via ACH (Automated Clearing House) and cannot deposit to some accounts, for example, accounts that don't accept ACH in CCD (Cash Concentration and Disbursement) format. We send business bank to business bank files, which also work for personal accounts.

Resolve the cause of the failure

There are different resolutions depending on how the bank account was setup:

Vendor bank account information was entered manually

• If the ePayment failed because the Pay to name didn't match the name on the bank account, correct the vendor name or pay to name on the vendor record and issue a new payment
• If the account number and/or routing number was incorrect, confirm the bank information with the vendor. Correct the vendor bank account information and issue a new payment.
• If the ePayment failed for another reason (account closed, unable to locate account, etc.), contact the vendor directly; the vendor may need to contact their bank's ACH department for more information

Vendor was sent an invite to receive ePayments

• Contact the vendor directly. Since the vendor set up a free receivables account to get paid, the vendor controls their own remittance information and will need to make all changes in their account.
  • You can also disconnect from the vendor's account and either manually enter their bank information in your account, or send them paper checks. See the articles at the bottom of this page for details.
• If the ePayment failed for another reason (account closed, unable to locate account, etc.), the vendor might need to contact their bank's ACH department for more information

Resolve the failed ePayment

Failed ePayments are voided and the funds are credited back to the originating bank account.

A new payment will need to be issued.