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R05

ACH Return Code R05: Unauthorized Debit to Consumer Account

Unauthorized Debit

ACH Return Code R05 indicates that a debit entry was posted to a consumer account without proper authorization.

What causes R05?

The R05 return code occurs when:
- The customer did not authorize the transaction
- Authorization was revoked before the transaction
- The transaction amount differs from what was authorized

How to resolve R05

  1. . **Review authorization records** - Verify you have proper consent
  2. . **Contact the customer** - Understand why they claim it's unauthorized
  3. . **Implement dispute resolution** - Work with the customer to resolve

Prevention tips

  • Maintain clear authorization records
  • Send transaction confirmations to customers
  • Implement proper consent management

How to resolve this return code

Follow these steps to address and prevent this ACH return.

1

Review the return code.

Identify the specific reason for the return and understand what information needs to be corrected.

2

Contact the customer.

Reach out to verify or update their banking information, especially for insufficient funds or invalid account issues.

3

Retry or adjust the payment.

Once corrected, resubmit the transaction or choose an alternative payment method.

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Slash provides real-time account validation, intelligent retry logic, and comprehensive analytics to help you minimize ACH returns and optimize your payment operations.

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