ACH Return Code R77

ACH Return Code R77 refers to the Non-Acceptance of R62, meaning the receiving bank does not accept a previously returned debit that was reinitiated under return code R62. 

This code helps maintain the integrity of ACH transactions by signaling that the RDFI (Receiving Depository Financial Institution) is rejecting the reinitiated entry.

What Is an ACH Return Code

In ACH payments, return codes play a crucial role in ensuring transparency and efficient problem-solving when a transaction doesn’t go through as intended. These standardized codes act as formal responses that explain exactly why an ACH entry was rejected or returned.

Each return code corresponds to a specific issue, allowing both the Originating Depository Financial Institution (ODFI) and the Receiving Depository Financial Institution (RDFI) to identify the problem quickly and accurately. Whether it's a matter of insufficient funds, a closed or invalid account, incorrect banking details, or unauthorized activity, return codes help pinpoint the exact reason behind a failed transaction.

The use of these codes is governed by NACHA (the National Automated Clearing House Association), which oversees the ACH Network and sets the rules that banks and financial institutions must follow. This consistent framework ensures that all parties involved in the transaction process are on the same page, reducing confusion and speeding up resolution times.

What Is ACH Return Code R77

ACH Return Code R77 indicates the Non-Acceptance of R62, which means that the Receiving Depository Financial Institution (RDFI) is rejecting an ACH entry that had previously been returned under return code R62. 

This situation arises when an entry that was initially returned as unauthorized or disputed is reinitiated, and the RDFI chooses not to accept it again. Essentially, it serves as a final rejection of the transaction, preventing the funds from being processed further.

How to Fix ACH Return Code R77

To fix ACH Return Code R77, first address the underlying issue that caused the original return under R62. The transaction may have been disputed or deemed unauthorized, and reinitiating it without resolving these concerns can lead to further rejections. 

Review the details of the original ACH entry, including the reason for the R62 return. Once the issue is identified, work with the Originating Depository Financial Institution (ODFI) to ensure the transaction is properly authorized and meets all necessary compliance standards. 

If there was an error with the account details, such as incorrect information or insufficient funds, make the necessary corrections.