R84

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High-Priority Return Code

This ACH return code is specific to International ACH Transactions (IAT) and indicates that the gateway operator responsible for processing international transactions was unable to process the IAT entry. R84 occurs when foreign payment systems don't support specific rules or functions required by the domestic ACH network, preventing successful transaction processing.

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Error message: "The entry was not processed by the gateway operator."

What Causes ACH Return Code R84?

The R84 ACH return code means "Entry Not Processed by Gateway" and indicates that the gateway operator responsible for handling International ACH Transactions (IAT) was unable to process a specific outbound IAT entry. This return code is exclusively used by gateway operators when they encounter incompatibility between domestic ACH network requirements and foreign payment system capabilities.

Gateway operators serve as intermediaries between the U.S. ACH network and foreign payment systems, facilitating cross-border transactions. When the payment system in the foreign receiving country doesn't support particular rules, functions, or data elements required by the domestic ACH network, the gateway operator cannot complete the processing and returns the transaction with code R84. This ensures compliance with both domestic and international payment regulations.

Can You Retry R84 Payments?

You can potentially retry R84 payments after working with the gateway operator to resolve compatibility issues or by using alternative payment methods that are supported by the foreign payment system. Contact your bank to understand what specific requirements caused the rejection and explore available options.

Common Causes

Foreign payment system doesn't support required ACH network functions

Incompatible data elements or formatting requirements between systems

Missing information required by the foreign receiving country

Gateway operator technical issues or processing errors

Regulatory restrictions in the foreign payment system

Key Information

Return timeframe: 2 banking days

Applies only to outbound International ACH Transactions (IAT)

Initiated by gateway operators, not receiving banks

Requires compatibility between domestic and foreign payment systems

May need alternative payment methods to complete transaction

How to Respond to an R84 Code

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An R84 return indicates gateway processing issues with international payments, requiring coordination with your bank and potentially the gateway operator to understand system compatibility limitations and explore alternatives.

When Your International Payment Fails

Contact Your Bank Immediately
Reach out to your ODFI to understand why the gateway operator couldn't process the transaction.
Identify Compatibility Issues
Ask about specific functions or data elements that aren't supported by the foreign payment system.
Explore Alternative Methods
Inquire about different payment formats or methods that work with the destination country's system.
Work with Gateway Operator
Your bank may need to coordinate with the gateway operator to resolve processing requirements.

Email Template

Subject: International Payment Processing Issue - Gateway Incompatibility

Hi [Customer Name],

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Your international payment could not be processed by the gateway operator due to compatibility issues between our payment system and the receiving country's banking infrastructure.

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This happens when the foreign payment system doesn't support certain functions required by our domestic ACH network. We're working with our bank to understand the specific requirements and explore alternative processing methods.

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We'll contact you within 24 hours with available options, which may include using a different payment format or alternative transfer method to complete your international payment.

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Thanks for your patience,

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[Your Company Name]

When Your International Vendor Payment Fails

An R84 return on international vendor payments indicates gateway processing limitations that may affect other payments to the same country, requiring proactive communication and alternative payment arrangements.

Notify the international vendor about the gateway processing issue and expected delays
Contact your bank to understand which countries or payment types are affected
Explore alternative international payment methods such as wire transfers or specialized services
Update your international payment procedures to account for gateway compatibility limitations