Stop Payment on Source Document
Category: Check conversion & RCK Initiated by: RDFI
Read reinitiation conditions and source →Applies to (SEC scope)
ARC, BOC
camt.053 mapping
Not mapped
Nacha's definition
RDFI determines a stop payment order has been placed on the source document to which the ARC or BOC Entry relates.
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: ARC, BOC.
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 R38-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 marks this code as not currently supported or mapped for camt.053 (footnote 1): it applies to Standard Entry Class codes or flows the guide does not cover, so it has no published ISO 20022 reason-code mapping.
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 exists on the source check behind an ARC or BOC entry. Do not represent; contact the Receiver.
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