This ACH return code indicates that the addenda records (supplementary information) included with your transaction contain errors that prevent processing. Addenda records provide additional details for payment identification and are commonly used in corporate transactions like CCD and CTX entries. The error could involve incorrect formatting, invalid sequence, missing information, or exceeding maximum allowable records.
Error message: "(1) Addenda record indicator value is incorrect; (2) Addenda type code is invalid, out of sequence, or missing; (3) Number of addenda records exceeds allowable maximum; or (4) Addenda sequence number is invalid."
What Causes ACH Return Code R25?
The R25 ACH return code means "Addenda Error" and indicates that the supplementary information (addenda records) attached to your ACH transaction contains formatting errors or invalid data. Addenda records are optional information fields that provide additional details about payments, commonly used in corporate transactions to include invoice numbers, remittance information, or other business data.
When addenda records are included with ACH transactions, they must follow strict NACHA formatting standards and rules specific to the transaction type (SEC code). R25 occurs when these records don't meet requirements due to incorrect formatting, invalid sequences, missing required information, or exceeding system limitations. This return code helps maintain data integrity within the ACH network.
Can You Retry R25 Payments?
You can retry R25 payments after correcting or removing the problematic addenda records. Fix any formatting issues, ensure proper sequencing, reduce the number of addenda records if exceeding limits, or remove addenda entirely if not essential for the transaction.
How to Respond to an R25 Code
An R25 return requires reviewing and correcting the addenda records attached to your transaction or removing them if they're not essential.
When Your Customer's Payment Fails
- Review Addenda Content
Examine the supplementary information attached to the transaction for formatting errors or invalid data. - Check SEC Code Compatibility
Verify that addenda records are appropriate for the transaction type being used. - Validate Formatting Standards
Ensure addenda follows proper EDI formatting if using CTX or other corporate transaction types. - Correct or Remove Addenda
Fix formatting issues or remove addenda records entirely if they're not essential for processing.
Subject: Payment Processing Issue - Supporting Information Error
Hi [Customer Name],
We encountered a technical issue with the supplementary information attached to your recent payment that prevented it from processing successfully. This involves the additional data fields used for payment identification and tracking.
We've identified and corrected the formatting error with this supporting information and will reprocess your payment within the next business day. No action is required on your part.
We apologize for any inconvenience and have updated our systems to prevent this technical formatting issue from occurring again.
Thanks,
[Your Company Name]
When Your Payment to Vendors Fails
An R25 return on vendor payments indicates formatting problems with the addenda records in your payment file. This requires reviewing and correcting the supplementary information before reprocessing.
- Review the addenda records attached to the failed vendor payment for formatting errors
- Check that addenda formatting complies with NACHA standards for your SEC code type
- Reduce the number of addenda records if exceeding maximum limits
- Reprocess the vendor payment with corrected addenda formatting or remove addenda if not needed
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