ACH Chargeback Reference Table for Floorzap Payments

Please note:

While these chargebacks are not defendable, resolving the underlying issues can help prevent future failed payment attempts.
$15 fee will be applied to your account for each occurrence and will be reflected on your end of month processing statement.

Reason Code	Reason	Description & Resolution
R01	Insufficient funds	You can retry the transaction up to two times within 30 days of the original authorization date.
R02	Account closed	Retrying the transaction is not allowed. Initiate a new transaction using an external validation service.
R03	No Account/Unable to locate account	The provided account information is incorrect. Retrying the transaction is not allowed. Initiate a new transaction using an external validation service.
R04	Invalid account number	The provided account number is incorrect. Retrying the transaction is not allowed. Initiate a new transaction using an external validation service.
R05	Unauthorized debit to consumer account	A corporate transaction was charged to a consumer account and was disputed by the customer. Suspend any recurring payments and resolve the issue with the customer. If you are going to debit the same account for a new transaction, make sure the customer's bank stops blocking transactions from your company to this account.
R06	Returned per ODFIs request	Your bank asked the customer's bank to reverse the transaction. Retrying the transaction is not allowed. Contact your bank.
R07	Authorization revoked by customer	The customer informed their bank they revoked authorization for the transaction. Suspend any recurring transactions and resolve the issue with the customer. If you are going to debit the same account for a new transaction, make sure the customer's bank stops blocking transactions from your company to this account.
R08	Payment stopped or stop payment on item	The customer instructed their bank to not honor a payment they previously authorized. Resolve the issue with the customer. When initiating a new transaction (using an external validation service), get new proof of authorization from the customer. If you are going to debit the same account, make sure the customer's bank stops blocking transactions from your company to this account.
R09	Uncollected funds	Insufficient funds. You can retry the transaction up to two times within 30 days of the original authorization date.
R10	Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account	The customer disputed the transaction. Retrying the transaction is not allowed. Resolve the issue with the customer. If you are going to debit the same account for a new transaction, make sure the customer's bank stops blocking transactions from your company to this account.
R11	Customer Advises Entry Not in Accordance with the Terms of the Authorization	The customer informed their bank that the payment is not in accordance with the authorization terms. Suspend any recurring transactions and resolve the issue with the customer. You can retry the transaction within 60 days of the original settlement date.
R12	Branch sold to another DFI	The customer's account has migrated to another financial institution. Ask the customer to update their account details in your system.
R13	Invalid ACH routing number	The provided routing number does not belong to any bank in the ACH network. Ask the customer for the correct routing number, or contact your bank if you are sure the number is correct.
R15	Beneficiary or account holder deceased	Contact the bank of the deceased account holder or account beneficiary.
R16	Account frozen	Contact your customer to obtain a different form of payment. The bank account cannot be used while it is frozen. This return code should be a red flag for your business. If you see this code, do your due diligence around verifying the identity of your customer.
R17	File record edit criteria	The customer's bank had a technical problem with processing the ACH transaction.
R17	File record edit criteria	The customer's bank had a technical problem with processing the ACH transaction.
R20	Non-transaction account	The provided bank account cannot be used for ACH payments. Ask the customer for permission to charge a different, ACH-enabled bank account.
R29	Corporate customer advises not authorized	The company you tried to charge has disputed the transaction. Retrying the transaction is not allowed. Resolve the issue with the other company. If you are going to debit the same account for a new transaction, make sure the other company's bank stops blocking transactions from your company to this account. It is possible the issue is resolved if the other company adds the Adyen ACH Company ID for payments to the allowlist of their business account.
R31	Permissible return entry	The business account holder or their bank has asked to reverse the transaction. Contact your bank for more information. Contact the customer to resolve the issue.
R51	Item is ineligible, notice not provided, signature not genuine	To determine what to do, you need to find out the underlying reason why the payment was returned.

ACH Chargeback Reference Table for Floorzap Payments

Reference table for ACH chargebacks that customers may experience.