ACH Return Code R43

ACH Return Code R43 indicates that the transaction was rejected because the account number provided for the Depository Financial Institution (DFI) is invalid. This usually happens due to a formatting error, an incorrect account number, or an issue with how the data was entered. 

Understanding this code can help businesses quickly resolve issues and ensure successful ACH payments.

What Is an ACH Return Code

In ACH payments, an ACH return code is a standardized code used within the Automated Clearing House (ACH) network to indicate why a specific ACH transaction could not be processed successfully. 

When an ACH payment is initiated, it passes through the Originating Depository Financial Institution (ODFI) and is handled by the Receiving Depository Financial Institution (RDFI). If a problem arises—such as invalid account details or a lack of funds—the RDFI returns the transaction along with a specific ACH return code. 

These return codes, managed by NACHA (the National Automated Clearing House Association), clearly indicate the reason for the return, enabling efficient communication between financial institutions and helping to quickly resolve any payment issues.

What Is ACH Return Code R43

ACH Return Code R43 indicates that the transaction was returned because the account number provided does not match the format required by the receiving financial institution. This error, labeled as “Invalid DFI Account Number,” typically occurs when the account number is incorrectly entered or contains invalid characters. 

It means the RDFI (Receiving Depository Financial Institution) was unable to post the payment due to the invalid or unrecognizable account information.

How to Fix ACH Return Code R43

To fix ACH Return Code R43, the originator should verify the account number provided in the original transaction. This includes checking for typos, formatting errors, or missing digits that may have caused the receiving bank to reject the payment. 

Also, confirm the correct account information directly with the customer or payee to ensure accuracy. Once the correct details are obtained, the originator can update the account information and reinitiate the ACH transaction.