Duplicate Return
Category: Dishonored return (ODFI) Initiated by: ODFI
Applies to (SEC scope)
ALL, EXCEPT IAT
camt.053 mapping
Not mapped
Reinitiation
Not applicable to this code
Nacha's definition
The ODFI has received more than one Return for the same Entry.
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 IAT.
How it appears in an ISO 20022 statement
Dishonored returns are exchanged between the ODFI and RDFI and, per Nacha's mapping guide, are invalid entries for camt.053: they must be sent in Nacha file format (footnote 2). There is no camt.053 mapping.
Return time frame
Dishonored and contested dishonored returns are exchanged between the ODFI and RDFI under their own time frames in the Nacha Operating Rules. Nacha's mapping guide notes they must be sent in Nacha file format rather than through camt.053. The time frames are not stated in the public sources used here.
Can the entry be reinitiated?
Nacha's reinitiation rule governs resubmission of returned debit entries; it does not arise for this code. See the definition and the operator note for what the return means and who acts on it.
What an operator does next
The ODFI received more than one return for the same entry. Reconcile the duplicates before posting a second credit to anyone.
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
- US Treasury, Bureau of the Fiscal Service — Green Book, Chapter 4: Returns (return reason codes for federal ACH credits; dishonored return codes) — government-guide, retrieved 2026-09-06