This ACH return code indicates that the RDFI is currently verifying that the original return entry was processed within NACHA's designated timeframe. R73 represents a timing verification process where the receiving bank confirms compliance with return deadlines before proceeding, ensuring proper adherence to ACH network rules.
Error message: "The RDFI is certifying that the original Return entry was sent within the time frame designated by the rules."
What Causes ACH Return Code R73?
The R73 ACH return code means "Timely Original Return" and indicates that the RDFI is currently in the process of verifying that the original return entry was submitted within NACHA's required timeframe. This code represents a compliance verification step rather than an actual error, where the receiving bank confirms that return timing requirements have been met.
R73 occurs during the review process when the RDFI needs to certify timing compliance before proceeding with the return. This verification process ensures that all returns follow proper NACHA protocols and helps maintain the integrity of the ACH network by preventing untimely returns from proceeding through the system.
Can You Retry R73 Payments?
You cannot retry R73 payments during the verification process since this code indicates active review by the RDFI. The outcome depends on their timing verification: if the original return was timely, the transaction will proceed normally; if it was untimely, you'll likely receive an R68 code indicating an untimely return.
How to Respond to an R73 Code
An R73 return indicates the RDFI is verifying timing compliance, requiring patient monitoring of the verification process and direct communication with the receiving bank for status updates.
When Your Customer's Payment Fails
- Contact the RDFI Directly Reach out to the receiving bank's ACH operations department to understand the verification timeline and process.
- Monitor Verification Status Track the timing review process and await the RDFI's determination on compliance.
- Prepare for Possible Outcomes Be ready for either transaction approval or an R68 untimely return code based on the verification results.
- Maintain Documentation Keep detailed records of timing and communication during the verification process.
Subject: Payment Under Timing Verification - RDFI Review in Progress
Hi [Customer Name],
Your recent payment is currently under review by the receiving bank, which is verifying that all return timing requirements have been met according to NACHA rules.
This is a standard compliance verification process rather than an error. The bank is confirming that the original return was submitted within the proper timeframe before proceeding with the transaction.
We expect the verification to be completed within 2-3 business days. Once the bank confirms timing compliance, your payment will either proceed normally or we'll receive further instructions. We'll contact you immediately with the verification results.
Thank you for your patience,
[Your Company Name]
When Your Payment to Vendors Fails
An R73 return on vendor payments indicates that the vendor's bank is verifying the timing compliance of the original return, requiring patience while the RDFI completes their standard verification process.
- Contact the vendor's bank (RDFI) to understand the verification timeline
- Monitor the compliance review process without taking additional action
- Communicate with the vendor about the timing verification delay
- Await the RDFI's determination and prepare for either approval or R68 untimely return
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