Beneficiary or Account Holder (Other Than a Representative Payee) Deceased

Nacha's definition

(1) The beneficiary is deceased, or (2) The account holder is deceased.

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 R15 to camt.053 reason code MD07 (End Customer Deceased) — ISO definition: End customer is deceased.

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.

Source: Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries)

What an operator does next

The beneficiary or account holder is reported deceased. Pause further payments to the affected payee or account while you verify the correct recipient and instructions with your ODFI. The Treasury Green Book's advice on using R14 and R15 to notify an agency concerns federal benefit payments, not a private-sector return procedure.

PaymentBrief guidance, not Nacha text. Your ODFI's procedures and the current Nacha Operating Rules govern.

Where this comes up on PaymentBrief

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
• US Treasury, Bureau of the Fiscal Service — Green Book, Chapter 4: Returns (return reason codes for federal ACH credits; dishonored return codes) — retrieved 2026-09-06
• Federal Reserve Financial Services — FedGlobal ACH Payments Origination Manual, 3 August 2026 (return item code tables) — retrieved 2026-09-06