This ACH return code is specific to International ACH Transactions (IAT) and indicates that the reference number used to identify the foreign receiving bank is invalid or incorrect. R82 occurs only with outbound international payments when the foreign DFI identification data doesn't match the receiving institution's records.
Error message: "The reference used to identify the Foreign Receiving DFI of an Outbound IAT entry is invalid."
What Causes ACH Return Code R82?
The R82 ACH return code means "Invalid Foreign Receiving DFI Identification" and indicates that the reference number used to identify the foreign receiving bank in an International ACH Transaction (IAT) is invalid or incorrect. This return code is exclusively used for outbound IAT entries when processing cross-border payments to financial institutions outside the United States.
IAT transactions require specific identification details for foreign banks to ensure proper routing and settlement. When the reference number provided doesn't match the foreign bank's records or contains errors, the transaction cannot be processed and gets returned with code R82. This safeguard prevents misdirected international payments and ensures funds reach the correct foreign financial institution.
Can You Retry R82 Payments?
You can retry R82 payments after correcting the foreign receiving bank's identification information. First, verify the correct reference number with your customer or the foreign financial institution, then resubmit the IAT transaction with the accurate foreign DFI identification details.
How to Respond to an R82 Code
An R82 return indicates incorrect foreign bank identification in an International ACH Transaction, requiring verification and correction of the foreign receiving bank's reference details before reprocessing.
When Your International Payment Fails
- Verify Foreign Bank Details
Contact your customer or the foreign receiving bank to confirm the correct identification reference numbers. - Check IAT Transaction Data
Review all foreign DFI identification fields for accuracy, including SWIFT codes and international routing information. - Correct Reference Numbers
Update the transaction with the accurate foreign bank identification details provided. - Resubmit IAT Payment
Process the international transfer again with the corrected foreign receiving DFI identification.
Subject: International Payment Issue - Verification Needed
Hi [Customer Name],
We encountered an issue with your international payment due to incorrect foreign bank identification details in our system.
To resolve this quickly, please verify and provide the correct:
- Foreign bank reference number
- SWIFT code or international routing information
- Any other identification details required by the receiving bank
Once we receive the updated information, we'll reprocess your international payment immediately.
Thanks,
[Your Company Name]
When Your International Vendor Payment Fails
An R82 return on international vendor payments means the foreign bank identification is incorrect, potentially causing delays in critical vendor relationships and international supply chain operations.
- Contact the international vendor immediately to verify their bank's correct identification details
- Review all foreign DFI reference numbers and SWIFT codes for accuracy
- Update your vendor payment records with the correct foreign bank identification
- Reprocess the international payment with verified foreign receiving bank details
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