Corporate Customer Advises Not Authorized
Category: Authorization & consumer dispute Initiated by: RDFI
Applies to (SEC scope)
CCD & CTX
camt.053 mapping
AG01 — Transaction Forbidden
ISO code shared with other Nacha codes
Reinitiation
Do not debit again without a new authorization
Nacha's definition
The RDFI has been notified by the Receiver (non-consumer) that a specific Entry has not been authorized by the Receiver.
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: CCD & CTX.
How it appears in an ISO 20022 statement
Nacha's mapping guide maps R29 to camt.053 reason code AG01 (Transaction Forbidden) — ISO definition: Transaction forbidden on this type of account (formerly no Agreement) 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.
Return time frame
Nacha groups this code with the unauthorized debit return codes — R05, R07, R10, R29 and R51 — for its unauthorized entry return rate. The specific return time frame for this code is set in the Nacha Operating Rules and is not stated on the public Nacha pages used here.
Can the entry be reinitiated?
Nacha's reinitiation rule page is explicit: "an unauthorized debit cannot be remedied. Reinitiating any entry that was returned as unauthorized would be considered an improper reinitiation practice." The same page states that a debit is not considered a reinitiation if the Originator obtains a new authorization after receiving the return.
R29 is a non-consumer Receiver, so the authorization is the one in your agreement with that business — resolve the dispute and establish authorization before any further debit.
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
A business Receiver says the CCD or CTX entry was not authorized. Nacha keeps R29 for CCD and CTX entries to non-consumer accounts; R10 and R11 cover consumer Receivers and consumer SEC codes sent to non-consumer accounts. Produce the authorization, resolve it with the Receiver, and do not represent until it is resolved.
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) — 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