Incorrectly Coded Outbound International Payment
Category: International (IAT) Initiated by: Gateway
Read reinitiation conditions and source →Applies to (SEC scope)
ALL, EXCEPT IAT
camt.053 mapping
FF02 — Syntax Error
ISO code shared with other Nacha codes
Nacha's definition
The RDFI/Gateway has identified the Entry as an Outbound internal payment and is returning the Entry because it bears an SEC Code that lacks information required by the Gateway for OFAC Compliance. [For Gateway use only.]
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.
Reinitiation conditions
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.
correct the field the RDFI identified, and code the resubmission correctly.
How it appears in an ISO 20022 statement
Nacha's mapping guide maps R85 to camt.053 reason code FF02 (Syntax Error) — ISO definition: Syntax error reason is provided as narrative information in the additional reason information. Nacha marks this ISO code as mapped to more than one Nacha return code, so the ISO code alone does not identify the Nacha reason; read the narrative or the original return record.
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 returned an outbound international payment because its SEC code lacked information required for OFAC compliance. R85 is for Gateway use only. Confirm the correction with your Gateway or ODFI; future entries identified as international should use IAT with the required information.
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