Payment Stopped
Category: Authorization & consumer dispute Initiated by: RDFI
Applies to (SEC scope)
ALL
camt.053 mapping
DS02 — Order Cancelled
Reinitiation
Not a reinitiation case
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.
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 governing time limit for this code is set in the Nacha Operating Rules, which Nacha sells and which were not used here, so it is not restated.
Can the entry be reinitiated?
A stop payment is the Receiver's instruction to its own bank. Nacha's reinitiation rule page restricts resubmission of returned debits generally but the Nacha pages reviewed here used here do not address R08 specifically.
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.
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) — nacha-mapping-guide, retrieved 2026-09-06
- Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries) — nacha-rule-page, retrieved 2026-09-06
- Federal Reserve Financial Services — FedGlobal ACH Payments Origination Manual, 3 August 2026 (return item code tables) — ach-operator-manual, 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