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ACH return R84

Entry Not Processed by Gateway

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

Read reinitiation conditions and source →

Applies to (SEC scope)

OUTBOUND IAT

camt.053 mapping

RR04 — Regulatory Reason

Nacha's definition

For Outbound IAT Entries, the Entry has not been processed and is being returned at the Gateway's discretion because the processing of such Entry may expose the Gateway to excessive risk.

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.

Reinitiation conditions

If this was a returned debit, Nacha's general reinitiation restrictions apply; this code alone does not establish permission to reinitiate. Confirm the current Rules and the return reason with your ODFI before any further entry.

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

How it appears in an ISO 20022 statement

Nacha's mapping guide maps R84 to camt.053 reason code RR04 (Regulatory Reason) — ISO definition: Regulatory reason.

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)

What an operator does next

The Gateway declined to process the outbound IAT at its own discretion, citing risk. Ask the Gateway what it needs.

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

Where this comes up on PaymentBrief

Public-source reference. Quoted definitions and rule statements are attributed to the public documents linked on this page; PaymentBrief's operator guidance is labelled separately. This reference does not reproduce the complete Nacha Operating Rules. The current rules and your ODFI's procedures govern. A gap in a cited public document does not establish that the rules permit an action or that no other rule applies.

Sources for this code

Related codes

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