This ACH return code indicates that one or more fields in the return entry contain incorrect information entered by the ODFI (Originating Depository Financial Institution). R69 is a dishonored return code that occurs when the original bank submitting the return makes data entry errors in critical fields like account numbers, amounts, or identification numbers.
Error message: "One or more of the field requirements are incorrect."
What Causes ACH Return Code R69?
The R69 ACH return code means "Field Error(s)" and indicates that one or more fields in the return entry contain incorrect information entered by the ODFI. This commonly occurs when the originating bank makes data entry errors in critical fields such as account numbers, dollar amounts, trace numbers, company identification, or transaction codes.
R69 is classified as a dishonored return because it represents errors made by the ODFI when processing the return, rather than issues with the original transaction itself. This return code serves as a quality control mechanism to ensure accurate information flows through the ACH network and helps identify where corrections need to be made.
Can You Retry R69 Payments?
You cannot retry R69 payments until the ODFI corrects the specific field errors that triggered this return code. Since the error originates from incorrect information entered by the originating bank, resolution requires contacting the ODFI's ACH operations department to identify and fix the problematic fields before reprocessing.
How to Respond to an R69 Code
An R69 return indicates data entry errors by the ODFI, requiring direct contact with the originating bank's ACH operations team to identify and correct the specific field errors before reprocessing.
When Your Customer's Payment Fails
- Contact the ODFI Immediately
Reach out to the originating bank's ACH operations department to report the field errors. - Request Field Verification
Ask them to review the specific fields mentioned in the return and identify the incorrect information. - Provide Correct Information
Supply the accurate data for any fields that contain errors, such as correct account numbers or amounts. - Wait for Correction
Allow the ODFI to correct the field errors before attempting to reprocess the transaction.
Subject: Payment Processing Error - Field Correction Required
Hi [Customer Name],
We've encountered a data entry error with your recent payment that requires correction by our bank. The return was rejected due to incorrect information in one or more fields of the transaction.
Our team is working directly with the bank's ACH operations department to identify and correct the specific field errors. This typically involves verifying account numbers, amounts, or other transaction details.
We expect this to be resolved within 2-3 business days once the correct information is provided to the bank. We'll contact you immediately when the correction is complete and the payment can be reprocessed.
Thank you for your patience,
[Your Company Name]
When Your Payment to Vendors Fails
An R69 return on vendor payments indicates that your bank made data entry errors when processing the return, requiring coordination with your ODFI to correct the specific field information before the payment can be successfully processed.
- Contact your bank's ACH operations team to identify which fields contain errors
- Provide the correct information for any problematic fields like account numbers or amounts
- Communicate with the vendor about the bank data entry error causing the delay
- Wait for your bank to correct the field errors before reprocessing the vendor payment
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