ACH Forms

R08 ACH return code: Payment Stopped

What R08 means

The account holder told their bank to stop this payment.

Checked against 5 sources. Last reviewed .

R08 key facts

Official title Payment Stopped
Other names you may see Stop Payment. An EPCOR guide uses it.
Returned by Receiving bank (RDFI)
Time frame 2 banking days
The receiving bank must send the return so that it reaches the sending bank by the opening of business on the second banking day after the payment settled.
Applies to Consumer and business accounts
Can you send it again? Only if the customer separately authorizes it after the return, and within 180 days of the original settlement date.
Type of return Standard return

Why R08 happens

  • The customer disputes the bill or wants to pay another way.
  • The customer asked the bank to stop one payment, or every future payment to you.

What to do next

If you sent the payment

  1. Contact the customer to find out why the payment was stopped.
  2. Do not send it again unless the customer authorizes that after the return.
  3. If the customer wants to cancel altogether, stop future payments.

Message you can send the customer

Change the words in [square brackets] before you send it.

Hello [name], Your ACH payment of [amount] dated [date] was returned because a stop payment was placed on it (return code R08). We will not send the payment again unless you tell us to. Please let us know if this was a mistake, or if you want to cancel. Thank you, [business]

If you got the notice about your own account

  1. To stop a recurring payment, give your bank the order at least three business days before the scheduled date.
  2. Also tell the business that you are cancelling, so it stops sending payments.

Got a return file from your bank? Open it in the ACH file viewer to see the code next to each payment.

Questions and answers

What does the R08 ACH return code mean?

R08 means Payment Stopped. The account holder placed a stop payment order with their bank, so the bank sent the payment back instead of paying it.

Sources

  1. FedGlobal ACH Payments Origination Manual, Federal Reserve Financial Services
  2. 2024 ACH Quick Reference Guide, EPCOR
  3. 2024 ACH Quick Reference Guide for Corporate Users, EPCOR
  4. ACH Return, NOC and Transaction Codes, Commerce Bank
  5. ACH Return Reason Codes and Time Frames, CBS Bank

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General information, not legal or financial advice. Rules change and banks set their own requirements. Check with your bank before you act. ACH Forms is not affiliated with Nacha.