How to find a Payment Return Reason

  1. Payments>Transactions History
  2. Search for "Returned" or "Late Return" status
  3. Select options and view detail

  1. The processor response code will provide either the approval or the error code
  2. The return reason will provide a more detail reason.

Common Return Codes

  • R01 (Insufficient Funds): The account balance is too low to cover the debit amount
  • R02 (Account Closed): The customer has shut down the targeted bank account
  • R03 (No Account / Unable to Locate): The account or routing number doesn't match the customer’s bank records
  • R04 (Invalid Account Number): The account number structure is flawed or fails digital validation
  • R07 (Authorization Revoked): The customer canceled their permission for the transaction
  • R10 (Customer Advises Not Authorized): The account holder disputes the charge or states it is unauthorized
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