Customer Advises Entry Not in Accordance with the Terms of the Authorization
Category: Authorization & consumer dispute Initiated by: RDFI
Applies to (SEC scope)
ALL EXCEPT CCD, CTX
camt.053 mapping
NARR — Narrative
ISO code shared with other Nacha codes
Reinitiation
Correct the error and originate a new entry
Nacha's definition
The RDFI has been notified by the Receiver that the Originator and the Receiver have a relationship and an authorization to debit exists, but there is an error or defect in the payment such that the entry does not conform to the terms of authorization (for example, the entry is for an amount different than authorized; the entry was initiated for settlement earlier than authorized; the entry is part of an Incomplete Transaction; the debit entry was improperly reinitiated; the Reversing Entry was improperly initiated by the Originator or ODFI; the Receiver did not affirmatively initiate a Subsequent Entry in accordance with the terms of the Standing Authorization.
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 EXCEPT CCD, CTX.
How it appears in an ISO 20022 statement
Nacha's mapping guide maps R11 to camt.053 reason code NARR (Narrative) — ISO definition: Reason is provided as narrative information in the additional reason information. Nacha marks this ISO code as mapped to more than one Nacha return code, so the ISO code alone does not identify the Nacha reason; read the narrative or the original return record.
Nacha's table prints NARR without the shared-mapping asterisk on this row, but NARR is the mapping it gives R06, R12, R14, R17, R23, R30, R31, R34 and R36 as well, so the ISO code alone does not identify an R11.
Return time frame
Nacha's rule page states the return time frame is 60 days, and that the RDFI is required to obtain the Receiver's Written Statement of Unauthorized Debit. R11 returns count toward the unauthorized entry return rate and are covered by the Unauthorized Entry Fee.
Can the entry be reinitiated?
Nacha's rule page states that with an R11 return an Originator is permitted to correct the underlying error, if possible, and submit a new Entry without being required to obtain a new authorization — and that the new Entry must be originated within 60 days of the Settlement Date of the R11 Return Entry. The new entry carries the same ODFI warranties as any other.
Nacha counts this code toward an Originator's unauthorized entry return rate, whose threshold Nacha set at 0.5 percent. Each return under this code moves that ratio for your ODFI, independently of the money involved.
What an operator does next
An authorization exists but the entry did not match it — wrong amount, earlier than authorized, an improper reinitiation, part of an incomplete transaction. Correct the error and, if you can, originate a new entry within 60 days of the R11 return's Settlement Date without needing a new authorization. It still counts toward your unauthorized rate, so fix the process that produced the mismatch, not just the entry.
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 'Differentiating Unauthorized Return Reasons' (R10 / R11; effective 1 April 2020 and 1 April 2021) — nacha-rule-page, retrieved 2026-09-06