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:
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
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 |