R84 ACH return code: Entry Not Processed by Gateway
What R84 means
The gateway did not process an international ACH payment (IAT). Processing it would expose the gateway to too much risk, or the foreign payment system cannot handle this kind of payment.
R84 key facts
| Official title | Entry Not Processed by Gateway |
|---|---|
| Other names you may see | Entry Not Processed by OGO. A Federal Reserve manual uses it. Entry Not Processed by Gateway Operator. A bank's code list uses it. |
| 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 R84 happens
- The gateway chose not to process the payment.
What to do next
If you sent the payment
- Ask your bank why, and whether another method such as a wire will work.
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.