ACH Return Code R19

ACH Return Code R19 indicates a transaction was returned due to a non-payment bank. This means the financial institution identified in the transaction is not authorized to accept ACH entries. 

Understanding this return code helps prevent processing delays and ensures funds are routed to valid receiving institutions.

What Is an ACH Return Code

An ACH return code is a standardized code used by banks to explain why an ACH (Automated Clearing House) payment was rejected or returned. Each code provides a specific reason, such as insufficient funds, incorrect account details, or unauthorized transactions, helping businesses quickly identify and resolve payment issues. These codes are managed by NACHA.

What Is ACH Return Code R19

ACH Return Code R19 means the transaction was returned because it was sent to a non-transactional or non-payment bank. In other words, the bank identified in the payment is not authorized to process ACH entries. 

This usually happens when the routing number belongs to a bank that only handles wire transfers or check processing—not ACH payments.

How to Fix ACH Return Code R19

To fix ACH Return Code R19, first, verify that the receiving bank is capable of processing ACH transactions, as some banks only handle wire transfers or check processing. Double-check the routing number to ensure it's correct and associated with an ACH-compatible bank. 

If needed, contact the receiving bank for clarification on their ACH processing capabilities. If the bank cannot process ACH payments, consider switching to one that does or use an alternative payment method. 

Once the issue is resolved, you can resubmit the transaction with the updated information.