Stop Payment on Item Related to RCK Entry
Category: Check conversion & RCK Initiated by: RDFI
Applies to (SEC scope)
RCK
camt.053 mapping
Not mapped
Reinitiation
Not a reinitiation case
Nacha's definition
A stop payment order has been placed on the item to which the RCK 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: RCK.
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 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 is on the item the RCK entry represents. Do not represent.
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