Why Was My Payment Returned? Follow

There are several reasons why a payment would get returned. Below are some of the more common ACH return codes, reasons, and details.

• R01: Insufficient Funds - The bank account didn't have enough money to cover the transaction. This is the electronic equivalent to a bounced check. Please resubmit and make sure there are enough funds in the account to cover the payment
• R02: Account Closed - The previously active account has been closed by action of the customer or the customer's bank
• R03: No Account - Unable to Locate. Typically, in this case, an account number, routing number or type of account  (checking/savings) was entered incorrectly. Please resubmit payment and be careful to verify the account and routing number for your account.  Please verify these numbers with a voided check.
• R04: Invalid account number -The account number structure is not valid, the entry may fail the check digit validation,  or it may contain an incorrect number of digits.
• R08: Payment Stopped - The owner of the bank account has informed their bank this transaction was not authorized and cancelled this payment.
• R10: Corp Customer Not Authorized - The owner of the bank account has informed their bank this transaction was not authorized and cancelled this payment. This return code has more legal weight than R08
• R16: Account Frozen - Funds in bank account are unavailable due to action by you or your bank.
• R20: Non-Transaction Account - The ACH entry destined  for a non-transaction account. This would include either an account against which transactions are prohibited or limited *Please note,  you will not be able to utilize this account moving forward without  contacting your bank with regard to the R20 return* 
• R29: Corporate receiver has notified RDFI that Corp entry is not authorized  - The corporation who owns the bank account has told their bank that  this EFT was unauthorized. This transaction was made through a business bank account

If you received an R03 return notice, typically it pertains to the account number entered incorrectly. However, an R03 return can also be triggered by a wire routing number being used in the system or a debit  blocker on the account. We recommend that you double check the routing and account number information on a personal check, or with a bank representative.

The previous bank account number that was used in the returned transaction was automatically deleted by ClickPay from your account to  avoid making a second payment with the wrong account information. If you have an Auto Pay configuration set with this bank account, it will be paused until you have entered the account information again.

ClickPay service representatives will not be able to confirm banking information entered into the system. We do not have access to your banking information once entered into a ClickPay profile.