---
title: How Do I Address a JobNimbus Payments Error?
description: This article contains a list of potential error messages for both ACH and CC transactions, along with steps on how to address them.
---

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# How Do I Address a JobNimbus Payments Error?

## This article contains a list of potential error messages for both ACH and CC transactions, along with steps on how to address them.

#### On this page:

- [ACH Rejects & Return Codes](https://support.jobnimbus.com/how-do-i-address-a-jobnimbus-payments-error#ach)
- [Credit Card Error Codes](https://support.jobnimbus.com/how-do-i-address-a-jobnimbus-payments-error#cc)

All of the errors found on this page are in the JobNimbus Payments Portal at the **transaction level**. You’ll need to go to the transaction in order to view these errors. 

 

### ACH Rejects & Returns

When an eCheck transaction or a disbursement is processed via JobNimbus Payments, this will be sent out as an "ACH transaction".

In the event that this transaction/disbursement is *returned* by the receiving bank, the system may trigger an **automated hold based on the response received**.

#### How to find ACH Reject and Return Codes

- Step 1 — Dashboard → Merchants
- Step 2 — Click on the desired Merchant to be taken to the Merchant Overview page
- Step 3 — Click on the **Withdrawals tab** from the "Account Overview" sub-menu on the bottom left of the Merchant Overview page
- Step 4 — Click on a returned transaction from the **Withdrawal Returns** or **Withdrawal History** sections
- Step 5 — Under the **Alerts** section, you will see a message and ACH Return Code under the "Message" column

List of Return Codes

| **Code** | **Description** | **Error Message** | **Next Steps** |
| --- | --- | --- | --- |
| R01 | Insufficient funds in account | The payment failed due to insufficient funds. Please attempt the transaction again with a different account. | Not enough funds in the account being used. Use another payment method or ensure enough funds are in the account |
| R02 | Account is closed | The payment failed due the account being closed. Please attempt the transaction again with a different account. | ACH account is closed, use another ACH account, or use a card |
| R03 | No account on file | The account number is invalid. Please attempt the transaction again. | ACH account number is invalid, use another ACH account, or use a card |
| R04 | Invalid account number | The account number is invalid. Please attempt the transaction again. | ACH account number is invalid, use another ACH account, or use a card |
| R05 | Unauthorized debit to consumer account | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R06 | Returned at request of ODFI | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R07 | Authorization revoked by customer | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R08 | Payment stopped | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R10 | Customer advises not Authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R11 | Check truncation return | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R12 | Account sold to another financial institution | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R13 | Invalid ACH routing number | The routing number is invalid. Please attempt the transaction again. | ACH account number is invalid, use another ACH account, or use a card |
| R14 | Representative payee is deceased or cannot continue in that capacity | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R15 | Beneficiary or account holder other than representative payee deceased | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R16 | Account funds have been frozen | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R17 | Item returned because of invalid data; refer to addenda for information | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R20 | Account does not allow ACH transactions or limit for transactions has been exceeded | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R21 | Invalid company identification | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R22 | Invalid individual ID | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R23 | Credit entry refused by receiver | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R25 | Addenda record error | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R26 | Mandatory field error | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R27 | Trace number error | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R28 | Routing/transit number check digit error | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R29 | Corporate customer advised not authorized | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | Have the logo’s customer contact their bank and approve the transaction |
| R31 | Permissible return entry | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R33 | Return of item | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R39 | Improper source document | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R40 | Return of item by government agency | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R41 | Invalid Transaction Code | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R42 | Routing/transit number check digit error | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R43 | Invalid account number | The account number is invalid. Please attempt the transaction again. | ACH account number is invalid, use another ACH account, or use a card |
| R44 | Invalid individual ID | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R45 | Invalid individual name or company name | The name provided is invalid. Please attempt the transaction again. | ACH account number is invalid, use another ACH account, or use a card |
| R46 | Invalid representative payee indicator code | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R47 | Duplicate enrollment | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R52 | Stop payment on item | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. |   |
| R69 | Field errors | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R71 | Misrouted dishonored return -incorrect routing/transit number in RDFI identification field | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R80 | Cross-border payment coding error | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R82 | Invalid foreign RDFI identification | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |
| R83 | Foreign RDFI unable to settle | The transaction failed. Please refresh and try again. If the issue persists try a different method or contact us. | ACH account number is invalid, use another ACH account, or use a card |

For a full list of errors, view [this sheet](https://docs.google.com/spreadsheets/d/1Oj1rn4WinRzV7BY4gdZeaxb1KxZkEPyw5liFWKyBKd4/edit#gid=1051861580)

### Credit Card Transaction Error Codes and Responses

| **Code** | **Error Message** | **Description** | **Next Steps** |
| --- | --- | --- | --- |
| address\_match\_zip\_mismatch | Zip code does not match. Please update and attempt the transaction again | Partial match: street address matches, zip does not match | Verify the zip code associated with the card, and attempt the transaction again |
| amount\_exceeds\_source | The payment failed due to insufficient funds. Please attempt the transaction again with a different card. | An attempt to reserve a source of funds failed because the total reserve desired exceeds the total of the source of funds. | Not enough funds in the account being used. Use another payment method or ensure enough funds are in the account |
| card\_not\_supported | This card type is not supported. Please attempt the transaction again with a different card. | Private Label Card not supported | Attempt payments with another card |
| declined | The transaction was declined. Please attempt the transaction again or try with a different payment method. | Declined | Attempt the transaction again or try with another payment method |
| do\_not\_honor | The transaction was declined. Please attempt the transaction again or try with a different payment method. | Do Not Honor | Have the customer contact their bank, attempt transaction with another method |
| expired\_card | The transaction was declined due to the card being expired. Please try again with a different card. | Expired Card | Card has expired, use another payment method |
| incorrect\_cvv | The CVV does not match. Please edit and attempt the transaction again. | CVV2 Value Mismatch | CVV code does not match the card, verify CVV or use another method |
| insufficient\_funds | The payment failed due to insufficient funds. Please attempt the transaction again with a different card. | Insufficient Funds | Not enough funds in the account being used. Use another payment method or ensure enough funds are in the account |
| invalid\_account | The account number is invalid. Please edit and attempt the transaction again. | Invalid Account Number | Verify the card/account number and try the payment again, or use another payment method |
| invalid\_cvv | The CVV does not match. Please edit and attempt the transaction again. | Decline CVV2/CID Fail | CVV code does not match the card, verify CVV or use another method |
| nsf | The payment failed due to insufficient funds. Please attempt the transaction again with a different card. | Insufficient Funds | Not enough funds in the account being used. Use another payment method or ensure enough funds are in the account |
| ticket\_limit\_exceeded | The transaction failed due to the daily card ticket limit being exceeded. Please attempt again with a different payment method. | Daily Card Ticket Limit Exceeded | Daily Card ticket limit has been reached or exceeded. Have the customer use another payment method. JN Support - Reach out to FinTech Team |
| transaction\_not\_allowed | The transaction failed due to the daily card limit being exceeded. Please attempt again with a different payment method. | Daily Card Limit Exceeded | Daily Card limit has been reached or exceeded. Have the customer use another payment method. JN Support - Reach out to FinTech Team |

 

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