R10: Customer Advises Originator Is Not Known to Receiver or Not Authorized to Debit
The consumer says they never authorized this originator at all.
| Code | R10 |
|---|---|
| Official reason | Customer Advises Originator Is Not Known to Receiver or Not Authorized to Debit |
| Applies to | Debit entries |
| Return deadline | 60 calendar days |
What R10 means
The receiver told their bank they do not recognize the originator, or never authorized that originator to debit them. Since the 2019 rule change, R10 covers genuine non-authorization while amount and timing disputes moved to R11.
What to do next
Debit-side only. Treat this as a potential unauthorized-entry problem, not a data problem — produce the authorization on file or stop debiting.
Can this happen on a file from this generator?
No. This generator writes ACH credits only — money leaving your account — and R10describes a debit being pulled from someone else's account. If you received R10, it came from a debit originated elsewhere. See supported formats for what the generator does and does not produce.
Other return codes
R01, R02, R03, R04, R06, R07, R08, R09, R11, R16, R17, R20, R23, R29. The full list includes every code from R01 to R33.