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ACH return R80

IAT Entry Coding Error

Category: International (IAT) Initiated by: Gateway / RDFI

Applies to (SEC scope)

OUTBOUND IAT

camt.053 mapping

AG02 — Invalid Bank Operation Code

Reinitiation

Restricted — permitted only within the Rules’ limits

Nacha's definition

The IAT Entry is being returned due to one or more of the following conditions: ▪ Invalid DFI / Bank Branch Country Code ▪ Invalid DFI / Bank Identification Number Qualifier ▪ Invalid Foreign Exchange Indicator ▪ Invalid ISO Originating Currency Code ▪ Invalid ISO Destination Currency Code ▪ Invalid ISO Destination Country Code ▪ Invalid Transaction Type Code

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: OUTBOUND IAT.

How it appears in an ISO 20022 statement

Nacha's mapping guide maps R80 to camt.053 reason code AG02 (Invalid Bank Operation Code) — ISO definition: Bank Operation code specified in the message is not valid for receiver.

Return time frame

IAT and Gateway returns run to the time frames in the Nacha Operating Rules, which are not stated in the public sources used here.

Source: 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)

Can the entry be reinitiated?

Nacha's reinitiation rule page allows reinitiation "to correct administrative errors", with fields other than Company Name, Company ID and Amount modified only to the extent necessary. A corrected resubmission of a returned debit is therefore treated as a reinitiation, within the Rules' limits and carrying RETRY PYMT. Nacha's reinitiation rule addresses returned debits; a returned credit falls outside it.

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

PaymentBrief guidance, not Nacha text

correct the field the RDFI identified, and code the resubmission correctly.

What an operator does next

The IAT entry failed coding validation on one of the listed fields. Fix the IAT addenda coding.

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

Where this comes up on PaymentBrief

Direct debit explained: ACH, SEPA, Bacs and eGIRO

Where ACH debit returns sit in the mandate and collection lifecycle, and how the return-rate thresholds bear on your ODFI relationship.
Confidence: high. Status: verified. The Nacha Operating Rules govern. Nacha sells them and they were not used here; every statement above is taken from a public Nacha document or a public US Treasury or Federal Reserve document, named per statement. Where those documents are silent, this card says so of those documents — it is not a claim about everything Nacha has published.

Sources for this code

Related codes

R81

Non-Participant in IAT Program

R82

Invalid Foreign Receiving DFI Identification

R83

Foreign Receiving DFI Unable to Settle

R84

Entry Not Processed by Gateway
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