R85 ACH return code: Incorrectly Coded Outbound International Payment
What R85 means
A payment going abroad was sent with a domestic payment code instead of the international code (IAT), so it lacks the details needed for sanctions screening.
R85 key facts
| Official title | Incorrectly Coded Outbound International Payment |
|---|---|
| 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? | Yes, but it must be sent again as an international (IAT) entry. |
| Type of return | International (IAT) |
Sources name the party that returns it as the gateway, or as the receiving bank acting as gateway.
Why R85 happens
- An international payment was coded as a domestic one.
What to do next
If you sent the payment
- Tell your bank the payment is international and send it again as an IAT entry with the required details.
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.