R77

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High-Priority Return Code

This ACH return code indicates that the RDFI is contesting an R62 dishonored return for specific issues with erroneous entries and their reversals. R77 occurs when the receiving bank has returned both the incorrect transaction and its related reversal, or when funds from the R62 dishonored return cannot be recovered from the receiver.

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Error message: "The RDFI returned both the erroneous entry and the related reversing entry, or the funds relating to the R62 dishonored return are not recoverable from the Receiver."

What Causes ACH Return Code R77?

The R77 ACH return code means "Non-Acceptance of R62 Dishonored Return" and indicates that the RDFI is contesting an R62 dishonored return for one of two specific reasons. This occurs when the receiving bank either returned both an erroneous entry and its related reversing entry, or when funds relating to the R62 dishonored return cannot be recovered from the receiver.

R77 is specifically used to contest R62 returns, which involve erroneous or reversing debit situations where the original reversal process failed to correct an unintended credit or created additional complications. This code serves as the RDFI's formal objection to the R62 dishonored return, indicating that the reversal situation cannot be resolved through standard procedures.

Can You Retry R77 Payments?

You cannot directly retry R77 payments since this code represents the RDFI's contestation of R62 dishonored returns with complex reversal issues. Resolution requires direct coordination between the RDFI and ODFI, and potentially with the customer, to address the underlying erroneous entry and reversal problems that triggered the original R62.

Common Causes

RDFI returned both erroneous entry and related reversing entry

Funds from R62 dishonored return cannot be recovered from receiver

Complex reversal situations involving multiple transactions

Unintended credits that cannot be properly corrected

Failed attempts to resolve erroneous debit/credit scenarios

Key Information

Return timeframe: Must be addressed within 2 banking days

Specifically contests R62 dishonored returns only

Involves complex erroneous entry and reversal scenarios

Requires coordination between RDFI, ODFI, and potentially customer

Resolution often requires alternative recovery methods

How to Respond to an R77 Code

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An R77 return indicates the RDFI is contesting R62 dishonored returns with complex reversal issues, requiring immediate coordination between all parties to resolve the underlying erroneous entry problems.

When Your Customer's Payment Fails

Contact the RDFI Immediately
Reach out to the receiving bank's ACH operations department to understand the specific R62 contestation issues.
Clarify Reversal Problems
Determine whether the issue involves both erroneous and reversing entries or unrecoverable funds.
Coordinate with Customer
Work directly with the customer to understand the transaction history and potential recovery options.
Explore Alternative Resolution
Work with both banks to find resolution methods outside standard ACH procedures if needed.

Email Template

Subject: Complex Payment Reversal Issue - Multi-Party Resolution Required

Hi [Customer Name],

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We've encountered a complex situation with your recent payment involving disputed reversal processing. The receiving bank is contesting a dishonored return due to issues with erroneous entries and their related reversals.

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This type of situation involves multiple transactions and potential fund recovery challenges that require coordination between banks and possibly direct involvement from you to resolve the underlying transaction problems.

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We're working with both financial institutions to understand the specific reversal issues and explore alternative resolution methods. We expect this complex situation to take 3-7 business days to resolve and will contact you immediately with updates.

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Thank you for your patience,

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[Your Company Name]

When Your Payment to Vendors Fails

An R77 return on vendor payments indicates that the vendor's bank is contesting R62 dishonored returns involving complex erroneous entry and reversal issues that require multi-party coordination to resolve.

Contact the vendor's bank immediately to understand the specific R62 contestation issues
Work with the vendor to clarify the transaction history and reversal problems
Coordinate between all parties to explore alternative resolution methods
Be prepared for extended resolution timelines due to the complexity of erroneous entry scenarios