SSO GuideAPI Guide

Default Return Reason

ID

Return Reason

Product

1

Signature(s) Missing

Check

2

Non-Cash Item (Non-Negotiable)

Check

3

Unable to Process

Check

4

Not Authorized

Check

5

Refer to Maker

Check

6

Unusable Image

Check

7

Refer to Image

Check

8

Forgery

Check

9

RCC Warranty Breach (Rule 8)

Check

10

Retired Routing Number

Check

11

Uncollected Funds Hold

Check

12

Closed Account

Check

13

Frozen/Blocked Account

Check

14

Post Dated

Check

15

Endorsement Irregular

Check

16

Signature Irregular, Suspected Forgery

Check

17

Altered/Fictitious

Check

18

Exceeds Dollar Amount

Check

19

Branch Account Sold

Check

20

Do Not Re-Present

Check

21

Cannot Determine Amount

Check

22

Duplicate Presentment

Check

23

Warranty Breach (Rule 8 and 9 Claims)

Check

24

Forged & Count Breach (Rule 9)

Check

25

Not Sufficient Funds

Check

26

Stop Payment

Check

27

Unable to Locate Account

Check

28

Stale Dated

Check

29

Endorsement Missing

Check

30

Other

Check

51

Insufficient Funds

ACH

52

Account Closed

ACH

53

Unauthorized Debit Entry

ACH

54

Authorization Revoked

ACH

55

Payment Stopped

ACH

56

Unauthorized Originator

ACH

57

Incorrect Amount

ACH

58

Debited Earlier than Authorized

ACH

59

Invalid Company ID

ACH

60

Invalid Individual ID

ACH

61

Refused

ACH

62

Duplicate Entry

ACH

63

Other

ACH