This ACH return code indicates that the ODFI failed to send a dishonored return within NACHA's required 5 banking day timeframe. R72 occurs when the originating bank misses the deadline to process a dishonored return from the settlement date of the original returned transaction, violating time limits established for proper dispute resolution.
Error message: "The dishonored return entry has not been sent within the designated timeframe."
What Causes ACH Return Code R72?
The R72 ACH return code means "Untimely Dishonored Return" and indicates that the ODFI failed to send a dishonored return within the designated timeframe established by NACHA rules. According to NACHA regulations, an ODFI has exactly 5 banking days from the settlement date of the returned transaction to process and send any dishonored return.
R72 represents a timing violation where the originating bank missed this critical deadline, making their dishonored return invalid. This code serves as a quality control mechanism to ensure timely dispute resolution within the ACH network and prevents institutions from disputing returns after the proper window for contestation has closed.
Can You Retry R72 Payments?
You typically cannot retry R72 payments through standard ACH procedures since the dishonored return deadline has passed. Resolution requires direct communication between the ODFI and RDFI to work outside normal ACH network procedures, potentially involving manual coordination or alternative recovery methods to address the original transaction dispute.
How to Respond to an R72 Code
An R72 return indicates the ODFI missed the critical 5-day deadline for dishonored returns, requiring immediate contact with the originating bank to explore alternative resolution methods outside standard ACH procedures.
When Your Customer's Payment Fails
- Contact the ODFI Immediately
Reach out to the originating bank's ACH operations department to discuss the missed deadline and available options. - Verify Timeline Details
Confirm the original settlement date and 5-day deadline to understand the timing violation. - Explore Alternative Resolution
Work with both banks to find resolution methods outside the standard ACH network procedures. - Document All Communications
Maintain detailed records of timing and coordination efforts for potential future disputes.
Subject: Payment Processing Deadline Issue - Alternative Resolution Required
Hi [Customer Name],
We've encountered a timing issue with your recent payment where our bank missed the required 5-day deadline to process a dishonored return according to NACHA rules.
Since the standard ACH deadline has passed, we're working directly with both financial institutions to explore alternative resolution methods outside the normal ACH procedures. This may involve manual coordination between the banks to address the original transaction dispute.
We expect to have more information about resolution options within 3-5 business days. We'll contact you immediately once we've established the best path forward with both banks.
Thank you for your patience,
[Your Company Name]
When Your Payment to Vendors Fails
An R72 return on vendor payments indicates that your bank missed the 5-day deadline to send a dishonored return, requiring coordination between both institutions to resolve the timing violation through alternative methods.
- Contact your bank's ACH operations team immediately to understand the missed deadline
- Request they coordinate with the vendor's bank for alternative resolution options
- Communicate with the vendor about the timing violation and potential delays
- Work with both banks to establish resolution methods outside standard ACH procedures
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