This ACH return code indicates coding errors within an International ACH Transaction (IAT) entry that prevent proper processing. R80 is used exclusively for Gateway outbound IAT entries and occurs when critical international transaction fields contain invalid codes, identifiers, or formatting that don't conform to NACHA's IAT requirements.
Error message: "The IAT entry is being returned due to one or more of the following conditions: invalid DFI/Bank Branch Country Code, invalid DFI/Bank Identification Number Qualifier, invalid Foreign Exchange Indicator, invalid ISO Originating Currency Code, invalid ISO Destination Currency Code, invalid ISO Destination Country Code, or invalid Transaction Type Code."
What Causes ACH Return Code R80?
The R80 ACH return code means "IAT Entry Coding Errors" and indicates that an International ACH Transaction contains one or more invalid codes or identifiers required for cross-border processing. This occurs when critical IAT fields such as country codes, bank identification numbers, currency codes, or transaction type codes are incorrectly formatted, missing, or contain invalid values that don't meet international standards.
R80 is specific to IAT transactions, which are ACH transfers involving accounts held at financial institutions outside the United States. These transactions require specialized coding and formatting to comply with international banking standards, and R80 serves as a quality control mechanism to ensure proper international transaction processing and regulatory compliance.
Can You Retry R80 Payments?
You can retry R80 payments after correcting the specific coding errors identified in the return. Since this code indicates data formatting issues rather than account problems, resolution involves verifying and correcting the invalid IAT codes before resubmitting the international transaction with proper formatting and valid identifiers.
How to Respond to an R80 Code
An R80 return indicates IAT coding errors requiring immediate verification and correction of international transaction codes and identifiers before resubmitting the cross-border payment.
When Your Customer's Payment Fails
- Contact the RDFI/Gateway
Reach out to the receiving institution to identify which specific IAT codes are invalid or incorrectly formatted. - Verify International Codes
Double-check all country codes, currency codes, bank identifiers, and transaction type codes against current international standards. - Correct Invalid Entries
Update the incorrect coding information with valid IAT format requirements before reprocessing. - Validate with Customer
Confirm international banking details with the customer to ensure accuracy of foreign account information.
Subject: International Payment Coding Error - Information Verification Required
Hi [Customer Name],
We've encountered a coding error with your recent international payment that requires correction of specific transaction formatting. The error involves invalid codes used for international ACH processing.
This typically involves issues with country codes, currency codes, or bank identification numbers that don't match international standards. We need to verify and correct these details before resubmitting your international transaction.
We'll contact you within 24 hours to confirm the correct international banking information and reprocess your payment with the proper coding. This correction usually resolves quickly once we have the accurate details.
Thank you for your patience,
[Your Company Name]
When Your Payment to Vendors Fails
An R80 return on international vendor payments indicates IAT coding errors that require verification and correction of international transaction codes before resubmitting the cross-border payment.
- Contact the Gateway/RDFI to identify which specific IAT codes are invalid
- Verify all international codes including country, currency, and bank identifiers
- Coordinate with the vendor to confirm accurate foreign banking details
- Correct the invalid coding information and resubmit with proper IAT formatting
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