R32 ACH return code: RDFI Non-Settlement
What R32 means
The receiving bank was not able to settle the payment.
R32 key facts
| Official title | RDFI Non-Settlement |
|---|---|
| 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? | Ask your bank. The sources we checked give no specific rule. |
| Type of return | Standard return |
Why R32 happens
- The receiving bank could not complete settlement with the ACH Operator.
What to do next
If you sent the payment
- Contact your bank and arrange another way to pay or collect.
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.