R63

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High-Priority Return Code

This ACH return code indicates that the dollar amount in the return entry doesn't match the dollar amount of the original transaction. R63 returns occur when there's a discrepancy between the amount being returned and the amount that was originally processed. This precision error helps maintain the accuracy and integrity of the ACH network by flagging amount mismatches during the return process.

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Error message: "The dollar amount in the Entry Detail Record of the return is different from the dollar amount of the original entry."

What Causes ACH Return Code R63?

The R63 ACH return code means "Incorrect Dollar Amount" and indicates that the dollar amount specified in a return entry doesn't match the dollar amount of the original transaction being returned. This return ensures precision in the ACH network by catching discrepancies when returns are processed with incorrect amounts.

R63 returns typically occur during the return process itself rather than the original transaction. When a bank needs to return a transaction and creates a return entry, the dollar amount in that return entry must exactly match the original transaction amount. If there's a mismatch—whether due to data entry errors, system glitches, or processing mistakes—the return will be flagged with R63 to maintain transaction accuracy.

Can You Retry R63 Payments?

You can address R63 returns by working with the receiving bank to correct the dollar amount discrepancy. Since this is an error in the return process rather than the original transaction, resolution involves ensuring the return entry uses the correct dollar amount that matches the original transaction. Once the amount is corrected, the return can be reprocessed properly.

Common Causes

Data entry errors when creating return entries

System glitches that alter amounts during return processing

Manual input mistakes in return transaction amounts

Currency conversion errors in international transactions

Processing delays that affect amount calculations

Key Information

Return timeframe: Within 5 banking days after settlement date of return entry

Error occurs in return process, not original transaction

Requires exact amount matching between original and return entries

Can affect both domestic and international ACH transactions

Resolution requires coordination with receiving bank

How to Respond to an R63 Code

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An R63 return requires immediate verification of transaction amounts and coordination with the receiving bank to correct the dollar amount discrepancy in the return entry.

When Your Customer's Payment Fails

Contact the RDFI's ACH Operations
Reach out to the receiving bank's ACH operations team to report the dollar amount discrepancy between the return and the original transaction.
Provide Transaction Details
Give the bank all necessary transaction information, including the original amount and the incorrect return amount, to help them identify the specific transaction.
Request Return Reversal
Ask if the bank can reverse the incorrect return so that a new return with the correct dollar amount can be initiated.
Verify Amount Accuracy
Before reprocessing, double-check that all amounts match the original transaction and customer authorization.

Email Template

Subject: Payment Return Amount Discrepancy - Under Investigation

Hi [Customer Name],

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We've identified a processing discrepancy related to your recent payment return where the return amount doesn't match the original transaction amount.

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This is an administrative error in the return processing system rather than an issue with your original payment. We're working directly with the banks involved to correct the dollar amount discrepancy.

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We expect this to be resolved within 2-3 business days, after which the return will be reprocessed with the correct amount. No action is needed on your part.

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We apologize for any confusion this may have caused.

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[Your Company Name]

When Your Payment to Vendors Fails

An R63 return on vendor payments indicates that a return entry was processed with an incorrect dollar amount that doesn't match the original transaction. This requires working with banks to correct the amount discrepancy.

Contact the receiving bank's ACH operations team to report the dollar amount discrepancy
Provide all transaction details including the original amount and the incorrect return amount
Request that the incorrect return be reversed so a corrected return can be processed
Verify all amounts are accurate before reprocessing to prevent future R63 returns