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ACH return R81

Non-Participant in IAT Program

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

Applies to (SEC scope)

OUTBOUND IAT

camt.053 mapping

BE06 — Unknown End Customer

Reinitiation

Not applicable to this code

Nacha's definition

The IAT Entry is being returned because the Gateway does not have an agreement with either the ODFI or the Gateway's customer to transmit Outbound IAT Entries.

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 R81 to camt.053 reason code BE06 (Unknown End Customer) — ISO definition: End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

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 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.

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

What an operator does next

The Gateway has no agreement covering this outbound IAT. A relationship problem, not a data one — route through a Gateway that has one.

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

R80

IAT Entry Coding Error

R82

Invalid Foreign Receiving DFI Identification

R83

Foreign Receiving DFI Unable to Settle

R84

Entry Not Processed by Gateway
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