Slash Crosses $150m in Annual Revenue

Learn more
R09

ACH Return Code R09: Uncollected Funds

Uncollected Funds

ACH Return Code R09 indicates that while there may be sufficient balance, the funds have not yet cleared and are unavailable.

What causes R09?

The R09 return code occurs when:
- Recent deposits haven't cleared yet
- Funds are on hold
- The available balance is less than the ledger balance

How to resolve R09

  1. . **Wait and retry** - Allow time for funds to clear
  2. . **Contact the customer** - Inform them of the issue
  3. . **Schedule retry** - Attempt again after a few days

Prevention tips

  • Allow adequate time for fund clearance
  • Implement smart retry logic
  • Verify available (not just ledger) balance

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.

Send ACH payments with confidence

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

Explore Other ACH
Return Codes

Learn about other common ACH return codes and how to resolve them.

View all ACH return codes →

Apply in less than 10 minutes today

Join the 5,000+ businesses already using Slash.

Contact Sales

Discover more insights