R64

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High-Priority Return Code

This ACH return code indicates that the individual identification number in the return entry doesn't match the individual identification number used in the original transaction. R64 returns occur when there's a discrepancy in personal identification information such as Social Security Numbers, employee ID numbers, or other individual identifiers between the original entry and the return being processed.

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Error message: "The individual identification number reflected in the entry detail record of the return is different from the individual identification number used in the original entry."

What Causes ACH Return Code R64?

The R64 ACH return code means "Incorrect Individual Identification" and indicates that the individual identification number in a return entry doesn't match the identification number used in the original transaction. This return ensures accuracy in the ACH network by catching discrepancies in personal identification information during the return process.

Individual identification numbers can include Social Security Numbers, employee ID numbers, customer reference numbers, or other unique identifiers used to link transactions to specific individuals. R64 returns typically occur when banks process return entries and the identification information doesn't match what was used in the original transaction, creating a data integrity issue that must be resolved.

Can You Retry R64 Payments?

You can address R64 returns by working with the receiving bank to correct the individual identification number discrepancy. Since this is an error in the return process where ID numbers don't match, resolution involves ensuring the return entry uses the correct individual identification number that matches the original transaction. Once the identification information is corrected, the return can be reprocessed properly.

Common Causes

Data entry errors when inputting individual ID numbers in return entries

Transposed digits in Social Security Numbers or employee IDs

Using different identification formats between original and return transactions

Manual processing errors when creating return entries

System configuration issues that populate incorrect ID information

Key Information

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

Error occurs in return process, not original transaction

Requires exact ID number matching between original and return entries

Can affect transactions with SSN, employee ID, or other individual identifiers

Resolution requires coordination with receiving bank's ACH operations

How to Respond to an R64 Code

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An R64 return requires immediate verification of individual identification numbers and coordination with the receiving bank to correct the ID discrepancy in the return entry.

When Your Customer's Payment Fails

Contact RDFI's ACH Operations
Reach out to the receiving bank's ACH operations team to report the individual identification number discrepancy between the return and original transaction.
Provide Both ID Numbers
Give the bank the individual identification numbers from both the original entry and the return entry to help them identify the mismatch.
Request Return Reversal
Ask if the bank can reverse the incorrect return so that a new return with the correct individual identification number can be initiated.
Verify ID Information
Double-check that all individual identification numbers match your records and customer information before reprocessing.

Email Template

Subject: Payment Return ID Discrepancy - Under Investigation

Hi [Customer Name],

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We've identified a processing discrepancy related to your recent payment return where the individual identification numbers don't match between the original transaction and the return entry.

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This is an administrative error in the return processing system rather than an issue with your original payment or personal information. We're working directly with the banks involved to correct the identification number 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 identification information. No action is needed on your part.

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Thank you for your patience while we resolve this matter.

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[Your Company Name]

When Your Payment to Vendors Fails

An R64 return on vendor payments indicates that a return entry was processed with individual identification information that doesn't match the original transaction. This requires working with banks to correct the ID discrepancy.

Contact the receiving bank's ACH operations team to report the individual identification number discrepancy
Provide both the original transaction ID number and the incorrect return entry ID number
Request that the incorrect return be reversed so a corrected return can be processed
Verify all individual identification information is accurate before reprocessing to prevent future R64 returns