Payment Stopped
Category: Authorization & consumer dispute Initiated by: RDFI
Read reinitiation conditions and source →Applies to (SEC scope)
ALL
camt.053 mapping
DS02 — Order Cancelled
Nacha's definition
The Receiver has placed a stop payment order on this debit Entry e.g., recurring debit.
Verbatim from Nacha — ISO 20022 Guide to Mapping U.S. ACH Return Items and Notifications of Change, August 2023, Version 2.01 (Table 1, return reason codes) (return reason code table). Applies to: ALL.
Reinitiation conditions
A stop payment is the Receiver's instruction to its own bank. Nacha's public reinitiation guidance restricts resubmission of returned debits generally but does not give an R08-specific retry permission.
contact the Receiver, find out whether the stop applies to one entry or to the relationship, and do not resubmit the same entry while a stop is in place.
How it appears in an ISO 20022 statement
Nacha's mapping guide maps R08 to camt.053 reason code DS02 (Order Cancelled) — ISO definition: An authorized user has cancelled the order.
Return time frame
Nacha's public rule pages refer to the standard "two-day" return time frame for returns that are not extended (unauthorized) returns. The current Nacha Operating Rules and your ODFI determine the applicable deadline for this code; a general public two-day reference is not a substitute for that code-specific requirement.
What an operator does next
A stop payment order is on this entry. Contact the Receiver to learn whether it is a single-entry stop or effectively a revocation; do not resubmit while the stop stands.
PaymentBrief guidance, not Nacha text. Your ODFI's procedures and the current Nacha Operating Rules govern.
Where this comes up on PaymentBrief
Direct debit explained: ACH, SEPA, Bacs and eGIRO
Where ACH debit returns sit in the mandate and collection lifecycle, and how the return-rate thresholds bear on your ODFI relationship.
Recurring payments and billing operations
What a return means for the next billing cycle, dunning and mandate status.
Sources for this code
- Nacha — ISO 20022 Guide to Mapping U.S. ACH Return Items and Notifications of Change, August 2023, Version 2.01 (Table 1, return reason codes) — retrieved 2026-09-06
- Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries) — retrieved 2026-09-06
- Federal Reserve Financial Services — FedGlobal ACH Payments Origination Manual, 3 August 2026 (return item code tables) — retrieved 2026-09-06
Related codes
R05
Unauthorized Debit to Consumer Account Using Corporate SEC Code
R07
Authorization Revoked by Customer
R10
Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account
R11
Customer Advises Entry Not in Accordance with the Terms of the Authorization