R23: Credit Entry Refused by Receiver
The recipient actively refused the money you sent.
| Code | R23 |
|---|---|
| Official reason | Credit Entry Refused by Receiver |
| Applies to | Credit entries |
| Return deadline | On receipt of refusal |
What R23 means
This is the credit-side return. The recipient rejected the payment, usually because the amount is wrong, the payment duplicates one already received, or they were not expecting it at all. Nothing is wrong with your file's format — the entry was well-formed and delivered.
What to do next
Contact the recipient before re-sending. Check first whether you sent the same batch twice; a duplicate export is the most common trigger for a refused credit.
Can this happen on a file from this generator?
Yes. R23 can come back on a credit file, so it is worth guarding against. Verify account details with a zero-dollar prenote before the first live payment, and check the file's structure with the ACH file validator before you upload it to your bank.
Other return codes
R01, R02, R03, R04, R06, R07, R08, R09, R10, R11, R16, R17, R20, R29. The full list includes every code from R01 to R33.