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R10

ACH Return Code R10: Customer Advises Unauthorized, Improper, or Ineligible

Customer Advises Unauthorized

ACH Return Code R10 indicates that the customer has advised their bank that the transaction was unauthorized, improper, or ineligible.

What causes R10?

The R10 return code occurs when:
- The customer claims they didn't authorize the transaction
- The transaction violates the terms of authorization
- The entry is not in accordance with the agreement

How to resolve R10

  1. . **Review authorization** - Verify you have proper consent
  2. . **Contact the customer** - Discuss the claim
  3. . **Provide documentation** - Show proof of authorization if disputed

Prevention tips

  • Maintain detailed authorization records
  • Get explicit consent for transactions
  • Communicate clearly about charges

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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