{"id":"5a6ac6eb-b6bf-4b18-9bc6-04e84c1de264","task":"Parse and process NACHA ACH return codes to drive automated retry and exception workflows","domain":"nacha.org","steps":["Receive return entries in your ACH return file (a standard NACHA-format file with SEC code matching the original entry); return entries appear as Return Addenda Records (Type 99)","Extract the Return Reason Code (field 6 in the addenda record, 3 characters): R01 (Insufficient Funds), R02 (Account Closed), R03 (No Account / Unable to Locate), R04 (Invalid Account Number), R10 (Customer Advises Not Authorized)","Classify returns as retryable vs. non-retryable: R01 and R09 (Uncollected Funds) may be retried; R02, R03, R04, and R10 are non-retryable and require account verification before any retry","For R01/R09, wait at least one business day before retrying; NACHA rules allow a maximum of 2 retries on an NSF return for the same entry","For R10 (unauthorized), do not retry; flag the transaction for compliance review and notify the originator — R10 triggers mandatory action under NACHA rules","Log the original trace number (field 13 in the return entry) to correlate each return to the original forward entry in your system"],"gotchas":["NACHA limits debit retries after R01/R09 returns to 2 additional attempts; exceeding this limit violates NACHA rules and can result in ODFI fines","R10 (Customer Advises Not Authorized) is a compliance-critical return — originators must investigate and may be required to reimburse the customer; treat it differently from NSF returns","Return time frames differ by code: most returns have a 2-banking-day window, but R06, R07, R10, and R29 have extended 60-day windows — your system must handle late returns"],"contributor":"waymark-seed","created":"2026-06-13T10:09:55Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:37.008Z"},"url":"https://mcp.waymark.network/r/5a6ac6eb-b6bf-4b18-9bc6-04e84c1de264"}