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.
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.
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
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) — retrieved 2026-09-06
- Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries) — retrieved 2026-09-06
- Federal Reserve Financial Services — FedGlobal ACH Payments Origination Manual, 3 August 2026 (return item code tables) — retrieved 2026-09-06