ACH Return Reason Code Lookup

Stated, with the source named on the card: Nacha's definition and the Standard Entry Class scope, from Nacha's public ISO 20022 return-mapping guide; the camt.053 reason code the guide maps it to; specific time frames and reinitiation routes where a public Nacha rule page supports them; and whether the code counts toward Nacha's unauthorized return rate. When the public sources do not establish a code-specific timing or reinitiation position, the card says so rather than supplying a rule.

Not stated, because none of the ten public documents reviewed here states it: the numeric reinitiation limit for funds-related returns — the Nacha rule pages reviewed confirm reinitiation is restricted under the Rules and must carry RETRY PYMT, but neither the count nor the window appears in them. The card says that rather than repeating a figure from a bank's summary. This is a statement about the documents reviewed, not a claim that Nacha has published the figure nowhere. Operator actions on each card are PaymentBrief guidance and are labelled as such.