ACH Return Overview - MX Documentation

For field names, types, and descriptions, see the response schema on each endpoint page, such as Read ACH Return and List ACH Returns.

Using our Platform API, you can securely submit ACH Returns to reduce your ACH return rates and automate your ACH return process. You can query the status and outcomes of your submitted ACH returns to track progress and access resolution details.

SEC Codes

Code	Data Type	Title
`SEC_CODE_UNSPECIFIED`	String	Used if no other SEC code is set.
`PPD`	String	Prearranged Payment and Deposit
`PPD_PLUS`	String	Prearranged Payment and Deposit, with addenda record
`CCD`	String	Corporate Credit or Debit
`CCD_PLUS`	String	Corporate Credit or Debit, with addenda record
`CTX`	String	Corporate Trade Exchange
`WEB`	String	Internet Initiated/Mobile Entry
`TEL`	String	Telephone-Initiated Entry
`ARC`	String	Accounts Receivable Entry
`BOC`	String	Back Office Conversion Entry
`POP`	String	Point-of-Purchase Entry
`IAT`	String	International ACH Transaction
`COR`	String	Notification of Change
`CIE`	String	Customer Initiated Entries
`RCK`	String	Re-presented Check Entries
`POS`	String	Point of Sale

Resolution Codes

Code	Data Type	Description
`DATA_UPDATED`	String	The resolution involved updating account data.
`JOB_REQUIRED`	String	A new Instant Account Verification aggregation is required for resolution.
`ACCOUNT_LIMITATION`	String	The return is due to an account-level limitation (for example, account type, transaction limits).
`NOTICE_OF_CHANGE`	String	The return is a Notice of Change (NOC) - informational, but contains corrected data.
`UNRESOLVABLE_RETURN`	String	The return could not be resolved by MX.
`CLIENT_ACTION_REQUIRED`	String	Client action is needed.
`INVALID_SUBMISSION`	String	The API submission was invalid.

Return Codes

Code	Data Type	Title
`RETURN_CODE_UNSPECIFIED`	String	Use to create an ACH return if you don’t have a return code for an ACH return.
`R01`	String	Insufficient Funds
`R02`	String	Account Closed
`R03`	String	No Account / Unable to Locate Account
`R04`	String	Invalid Account Number Structure
`R05`	String	Unauthorized Consumer Debit using Corporate SEC Code
`R06`	String	ODFI Requested Return
`R07`	String	Customer Revoked Authorization
`R08`	String	Payment Stopped
`R09`	String	Uncollected Funds
`R10`	String	Originator not known and/or not authorized to Debit Receiver’s Account
`R11`	String	Customer advises not within Authorization Terms
`R12`	String	Account Sold to Another DFI
`R13`	String	Invalid ACH Routing No.
`R14`	String	Representative Payee Deceased
`R15`	String	Beneficiary / Account Holder Deceased
`R16`	String	Account Frozen / Returned per OFAC
`R17`	String	File Record Edit Criteria / Suspicious Entry with Invalid Account No. / Return of Improperly-Initiated Reversal
`R18`	String	Improper Effective Date
`R19`	String	Amount Field Error
`R20`	String	Non-Transaction Account

Return Status

Status	Data Type	Description
`RETURN_STATUS_UNSPECIFIED`	String	Used if no other return status is set.
`SUBMITTED`	String	The initial status after you successfully submit ACH return data using the API.
`PENDING`	String	The submitted return is queued and awaiting automated processing.
`PROCESSING`	String	The return is currently being actively processed, either by the automated system or by manual review.
`RESOLVED_DATA_UPDATED`	String	The automated system successfully resolved the return by updating account data in the MX system.
`RESOLVED_JOB_REQUIRED`	String	The automated system determined that a new Instant Account Verification (IAV) aggregation is required to resolve the return.
`RESOLVED_INFORMATIONAL`	String	After automated or manual investigation, it’s determined that the return reason is due to client-side issues or informational (like account restrictions) and no MX data fix is needed.
`RESOLVED_UNRESOLVABLE`	String	After thorough automated and/or manual investigation, no resolution is found within MX systems or via data providers.
`PENDING_CLIENT_ACTION`	String	MX requires action from you to proceed with the return investigation or resolution. This could occur if there was missing data in the submission.
`REJECTED`	String	The initial API submission was rejected due to errors in the data you provided.