ACH Codes and Transaction Types

ACH Codes

Here is a list of the most common return and change codes seen by Gusto Embedded partners.

R00	Manually Canceled
R01	Insufficient Funds
R02	Account Closed
R03	No Account/Unable to Locate Account
R04	Invalid Account Number Structure
R05	Unauthorized Debit to Consumer Account Using Corporate SEC Code
R06	Return per ODFI’s Request
R07	Authorization Revoked by Customer
R08	Payment Stopped
R09	Uncollected Funds
R10	Customer Advises Not Authorized, Improper, or Ineligible
R11	Check Truncation Entry Return
R12	Account Sold to Another DFI
R13	Invalid ACH Routing Number
R14	Representative Payee Deceased or Unable to Continue in That Capacity
R15	Beneficiary or Account Holder Deceased
R16	Account Frozen
R17	File Record Edit Criteria
R18	Improper Effective Entry Date
R19	Amount Field Error
R20	Non-Transaction Account
R21	Invalid Company Identification
R22	Invalid Individual ID Number
R23	Credit Entry Refused by Receiver
R24	Duplicate Entry
R25	Addenda Error
R26	Mandatory Field Error
R27	Trace Number Error
R28	Routing Number Check Digit Error
R29	Corporate Customer Advises Not Authorized
R30	RDFI Not Participant in Check Truncation Program
R31	Permissible Return Entry
R32	RDFI Non-Settlement
R33	Return of XCK Entry
R34	Limited Participation DFI
R35	Return of Improper Debit Entry
R36	Return of Improper Credit Entry
R37	Source Document Presented for Payment
R38	Stop Payment on Source Document
R39	Improper Source Document/Source Document Presented for Payment
R40	Return of ENR Entry by Federal Government Agency
R41	Invalid Transaction Code
R42	Routing Number / Check Digit Error
R43	Invalid DFI Account Number
R44	Invalid Individual ID Number
R45	Invalid Individual Name/Company Name
R46	Invalid Representative Payee Indicator
R47	Duplicate Enrollment
R50	State Law Affecting RCK Acceptance
R51	Item related to RCK Entry is Ineligible or RCK Entry is Improper
R52	Stop Payment on Item Related to RCK Entry
R53	Item and RCK Entry Presented for Payment
R61	Misrouted Return
R67	Duplicate Return
R68	Untimely Return
R69	Field Error(s)
R70	Permissible Return Entry Not Accepted/Return Not Requested by ODFI
R71	Misrouted Dishonored Return
R72	Untimely Dishonored Return
R73	Timely Original Return
R74	Corrected Return
R75	Return Not a Duplicate
R76	No Errors Found
R80	IAT Entry Coding Error
R81	Non-Participant in IAT Program
R82	Invalid Foreign Receiving DFI Identification
R83	Foreign Receiving DFI Unable to Settle
R84	Entry Not Processed by Gateway
R85	Incorrectly Coded Outbound International Payment
C01	Incorrect Bank Account Transfer
C02	Incorrect Transit/Routing Number
C03	Incorrect Transit/Routing Number and Bank Account Number
C04	Bank Account Name Change
C05	Incorrect Payment Code
C06	Incorrect Bank Account Number and Transit Code
C07	Incorrect Transit/Routing Number, Bank Account Number, and Payment Code
C09	Incorrect Individual ID Number
C10	Incorrect Company Name
C11	Incorrect Company Identification
C12	Incorrect Company Name and Company ID
C13	Addenda Format Error

Transaction Types

A list of all transaction_type values are attached below:

Credit balance transfer Credit bank verification Credit child support garnishment Credit Concession Credit contractor payment refund Credit contractor payment Credit donation Credit employee flex pay Credit employee pay Credit employee saving Credit everyday pay repayment Credit flex pay fee Credit flex pay principal Credit flex repayment Credit instant flex pay funding Credit internal error expense Credit Overpayment Credit payroll fee Credit Refund Credit tax penalty Credit tax refund Credit tax Credit test transaction Credit unclaimed property Credit vendor bill Credit wages and tax refund Credit wages refund Debit balance transfer Debit bank verification Debit child support garnishment Debit contractor payment Debit donation Debit employee everyday pay WEB Debit employee flex pay TEL Debit employee flex pay WEB Debit FX Revenue Debit HI Commission Debit historical tax Debit net pay Debit Overpayment Debit Partner Commission Debit payroll fee Debit Refund Debit reimbursement Debit tax correction Debit tax Debit vendor bill Interest Income Partner promotion payout Partner rev share payout Recovery payment Tax department fee Tax department payment Wire payment fee

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ACH Transactions

Bank Errors