R60

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High-Priority Return Code

This ACH return code indicates that the transaction is invalid according to NACHA operating rules or ACH processing standards. R60 returns occur when transactions contain structural errors, violate formatting requirements, or don't comply with ACH network regulations. This is a broad return code that encompasses various types of transaction invalidity that don't fall under more specific return codes.

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Error message: "The transaction was returned because it was invalid."

What Causes ACH Return Code R60?

The R60 ACH return code means "Invalid Transaction" and indicates that the transaction violates NACHA operating rules, ACH formatting standards, or other processing requirements that make it unsuitable for the ACH network. This is a general return code used when a transaction is deemed invalid for reasons that don't fall under more specific return code categories.

R60 returns typically occur when transactions contain fundamental structural errors, violate ACH file formatting requirements, exceed network limitations, or fail to meet basic compliance standards. Unlike specific error codes that identify particular data field issues, R60 serves as a catch-all for transactions that are fundamentally incompatible with ACH processing standards.

Can You Retry R60 Payments?

You can potentially retry R60 payments after identifying and correcting the specific validity issue. However, since this return code covers various types of invalidity, you must first determine what made the transaction invalid. This may require reviewing your ACH file structure, transaction formatting, compliance with NACHA rules, or consulting with your payment processor to identify the specific violation.

Common Causes

Transaction violates NACHA operating rules or network policies

Improper ACH file formatting or structure errors

Invalid transaction amounts or date formatting

Transactions that exceed network processing limits

Non-compliance with specific SEC code requirements

Key Information

Return timeframe: 2 banking days

Requires investigation to identify specific invalidity cause

May need technical review of ACH file structure

Could indicate systemic issues with payment processing setup

May require consultation with payment processor or bank

How to Respond to an R60 Code

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An R60 return requires comprehensive investigation to identify the specific invalidity issue, followed by systematic correction of the underlying problem before attempting to reprocess the transaction.

When Your Customer's Payment Fails

Contact Your Payment Processor Immediately
Reach out to your bank or payment processor to understand the specific reason the transaction was deemed invalid.
Review ACH File Structure
Examine your transaction file for formatting errors, improper data field completion, or structural issues that violate ACH standards.
Check NACHA Compliance
Verify that your transaction complies with all applicable NACHA operating rules and SEC code requirements.
Investigate System Issues
Determine if this is an isolated incident or indicates broader problems with your payment processing setup.

Email Template

Subject: Payment Processing Issue - Technical Error Under Investigation

Hi [Customer Name],

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We encountered a technical issue processing your recent payment that requires us to review our transaction formatting and compliance procedures.

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This appears to be a system-level error on our end rather than an issue with your account information. Our technical team is investigating the cause and will resolve it promptly.

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We'll reprocess your payment once we've corrected the underlying issue. You should see the transaction complete within 2-3 business days. We apologize for this inconvenience.

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If you have any questions, please don't hesitate to contact us.

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[Your Company Name]

When Your Payment to Vendors Fails

An R60 return on vendor payments indicates a fundamental issue with how your transaction was structured or formatted. This requires technical investigation to identify and resolve the specific invalidity before reprocessing.

Contact your bank or payment processor immediately to understand the specific reason for invalidity
Review your ACH file creation process for formatting errors or compliance violations
Verify that your payment system is properly configured for ACH processing requirements
Correct the identified issue and implement controls to prevent recurrence before reprocessing vendor payments