R19

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High-Priority Return Code

This ACH return code indicates that the amount field in your payment file contains invalid data that doesn't meet NACHA formatting requirements. This could be non-numeric characters where numbers are expected, inappropriate zero values, or amounts that exceed transaction limits for specific entry types like ARC, BOC, and POP transactions.

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Error message: "(1) Amount field is non-numeric; (2) Amount field is not zero in a prenotification, DNE, ENR, notification of change, or zero dollar CCD, CTX, or IAT entry; (3) Amount field is zero in an entry other than a prenotification, DNE, ENR, notification of change, return, dishonored return, or zero dollar CCD, CTX, or IAT entry; or (4) Amount field is greater than $25,000 for ARC, BOC, and POP entries."

What Causes ACH Return Code R19?

The R19 ACH return code means "Amount Field Error" and indicates that the amount specified in your ACH payment file contains invalid formatting or inappropriate values that prevent the receiving bank from processing the transaction. This is typically a technical issue with how the amount was entered into your payment system rather than a problem with the customer's account or available funds.

R19 errors occur when the amount field doesn't meet NACHA's strict formatting requirements, such as containing letters or symbols where only numbers are allowed, having zero values when a positive amount is required, or exceeding transaction limits for specific payment types. This return code helps maintain data integrity within the ACH network by rejecting improperly formatted transactions.

Can You Retry R19 Payments?

You can retry R19 payments immediately after correcting the amount field formatting issues in your ACH file. Simply fix the invalid amount data (remove non-numeric characters, enter appropriate values, or adjust amounts to meet limits) and resubmit the transaction with the properly formatted amount information.

Common Causes

Amount field contains non-numeric characters (letters, symbols, special characters)

Amount field is zero when a positive value is required for the transaction type

Amount field is non-zero when it should be zero for prenotifications or test entries

Amount exceeds $25,000 limit for ARC, BOC, or POP transaction types

Incorrect decimal formatting or currency symbols in amount field

Key Information

Return timeframe: Next file delivery time following processing

Can retry immediately after correcting amount formatting

Technical formatting issue with payment file, not customer's account

Different transaction types have different amount requirements

Usually caused by payment processing software configuration errors

How to Respond to an R19 Code

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An R19 return indicates a technical formatting problem with the amount field in your ACH file that requires correction before the transaction can be processed successfully.

When Your Customer's Payment Fails

Review the Amount Field Data
Check the specific amount that caused the R19 return for formatting errors or invalid characters.
Verify Numeric-Only Format
Ensure the amount contains only numbers and proper decimal formatting without letters or symbols.
Check Transaction Type Limits
Verify the amount doesn't exceed $25,000 for ARC, BOC, or POP transaction types.
Correct and Resubmit
Fix the amount formatting issues and reprocess the payment with valid amount data.

Email Template

Subject: Payment Processing Issue - Amount Correction

Hi [Customer Name],

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We encountered a minor technical issue with the amount formatting in your recent payment that prevented it from processing successfully. This was due to how the payment amount was entered in our system, not any issue with your account.

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We've corrected the formatting error and will reprocess your payment for the correct amount of $[Amount] within the next business day. No action is required on your part.

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We apologize for any inconvenience and have updated our systems to prevent this formatting issue from occurring again.

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Thanks,

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[Your Company Name]

When Your Payment to Vendors Fails

An R19 return on vendor payments indicates the amount field contains formatting errors in your payment file. This requires reviewing and correcting the amount data before reprocessing.

Review the specific amount field that caused the R19 return in your payment file
Remove any non-numeric characters and ensure proper decimal formatting
Verify the amount doesn't exceed transaction limits for the specific entry type
Reprocess the vendor payment with the corrected amount formatting