R81 ACH return code: Non-Participant in IAT Program
What R81 means
An international ACH payment (IAT) was returned because the gateway has no agreement to send international payments for this bank or customer.
R81 key facts
| Official title | Non-Participant in IAT Program |
|---|---|
| Returned by | Gateway |
| Time frame | 2 banking days Two banking days from the settlement date of the original payment. |
| Applies to | Consumer and business accounts |
| Can you send it again? | Ask your bank. The sources we checked give no specific rule for this code. |
| Type of return | International (IAT) |
Why R81 happens
- The gateway that handles payments to that country does not have an agreement covering this payment.
What to do next
If you sent the payment
- Ask your bank whether it can send payments to this country, or use another method such as a wire.
Got a return file from your bank? Open it in the ACH file viewer to see the code next to each payment.
Sources
- FedGlobal ACH Payments Origination Manual, Federal Reserve Financial Services
- 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.