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ACH Return Codes Explained

Understanding ACH return codes is essential for managing failed payments. Use our comprehensive guide to look up any ACH return code, understand what it means, and learn how to resolve the issue.

R01

Insufficient Funds

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Account Closed

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No Account or Unable to Locate Account

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Invalid Account Number Structure

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Unauthorized Debit to Consumer Account

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Returned per ODFI Request

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Authorization Revoked by Customer

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Payment Stopped

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Uncollected Funds

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Why Slash?

Trusted by 5,000+ businesses, Slash is reimagining business banking around industry-specific needs. From high treasury yields, integrated stablecoin payments, unlimited virtual cards, and accounting automations, Slash enables business owners to move faster.

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Real words, real impact

Ambitious teams across the U.S. and beyond run their business on Slash. Explore how founders manage money and stay in control.

Bland
“The main reasons we chose Slash were ease of use, how quickly we could onboard, the cashback component, and to be honest, the other piece is just when you really like the team you're working with.“
Sobhan NejadSobhan NejadCo-Founder and COO, Bland AI
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Sobhan Nejad
ShipLogix
“They have a super responsive, invested founder. It’s pretty amazing to see that. And the whole C-level team communicates really well and rapidly.“
Christopher VilltzChristopher VilltzCo-Founder & CEO
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Christopher Villtz
Build Pro Construction Inc.
“One of the things I’ve liked the most is that we share many of the same values. It’s the responsiveness, the attention to detail, the attention to the client.”
Orestes RomeroOrestes RomeroCFO, Build Pro Construction
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Orestes Romero

Power smarter business payments with Slash

  • Account Validation — Real-time verification
  • Smart Retries — Automated retry logic
  • Analytics — Return rate insights

Reduce ACH Returns with Smarter Payment Processing

Real-time account validation, automated retry logic, and intelligent routing to minimize failed payments.

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Transparent pricing with features tailored to your business

  • Free

    $0/month

    Full-featured banking essentials with no strings attached.

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    • Hundreds of millions in FDIC insurance

    • Same-day ACH transfers — $1

    • Domestic wire transfers — $6

    • Outgoing Fednow/RTP — $5

    • Unlimited virtual cards

    • International wire transfers — $25

    • Foreign transaction fee (card) — 1% (min $0.4)

    • USDC on/off ramp — volume based

    • USDT on/off ramp — volume based

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    Scale your business with advanced industry-specific capabilities.

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    • Hundreds of millions in FDIC insurance

    • Same-day ACH transfers — $0

    • Domestic wire transfers — $0

    • Outgoing Fednow/RTP — $0

    • Unlimited virtual cards

    • International wire transfers — $25

    • Foreign transaction fee (card) — 1% (min $0.4)

    • USDC on/off ramp — volume based

    • USDT on/off ramp — volume based

Frequently Asked Questions

Common questions about ACH return codes and how to handle them.