R27 ACH return code: Trace Number Error
What R27 means
The trace number is wrong: it is missing from the addenda record of a return or Notification of Change, or it does not match the trace number of the entry it belongs to.
R27 key facts
| Official title | Trace Number Error |
|---|---|
| Returned by | ACH Operator |
| Time frame | Next file delivery This is not a bank return deadline. The ACH Operator rejects the entry while processing the file and sends it back with its next file delivery. |
| Applies to | Consumer and business accounts |
| Can you send it again? | Yes. The entry was rejected before it reached the receiving bank, so correct the error and send a new entry. |
| Type of return | Standard return |
Why R27 happens
- The trace number in an addenda record differs from the entry before it.
- A return or Notification of Change does not carry the original trace number.
What to do next
If you sent the payment
- Correct the trace numbers so each addenda record matches its entry.
- Send the entry again, and check the file before sending it next time.
Got a return file from your bank? Open it in the ACH file viewer to see the code next to each payment.
Sources
- 2024 ACH Quick Reference Guide, EPCOR
- ACH Return, NOC and Transaction Codes, Commerce Bank
- ACH Return Reason Codes and Time Frames, CBS Bank
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.