ACH Return Code R28: Routing Number Check Digit Error

Account Type: Consumer or Non-Consumer

Time Frame for Return: Next file delivery time after processing

SEC Codes: All

ISO Code: FF09

What is an ACH Return Code?

An ACH return code is a standardized code used to explain why an Automated Clearing House (ACH) transaction was returned by the receiving bank.

Codes are issued by the Receiving Depository Financial Institution (RDFI) and maintained by Nacha, the organization that governs the ACH Network. Certain codes may apply to consumer accounts, non-consumer (business) accounts, or both. These codes help banks, payment processors, and originators understand what went wrong during an ACH transaction so they can determine the appropriate next steps, such as retrying the payment, correcting information, or contacting the customer.

Why you're seeing ACH Return Code R28

Code R28 means there was an error with the routing number check digit included in the ACH entry. The check digit is not a separate value you enter on its own. It is built into the routing number and is used by banks to verify that the routing number is valid using a mathematical formula. This return may have occurred because:

• The routing number was entered incorrectly. A typo or missing digit caused the routing number to fail the check digit validation.
• The check digit did not match the routing number. The final digit of the routing number did not align with the required mathematical formula.
• An invalid or outdated routing number was used. The routing number no longer passes validation or is not recognized by the ACH Network.

Sending ACH Payments with Slash

You can send domestic or international ACH payments using Slash by following these steps:

1. Navigate to the Payments dashboard and click Transfer Funds in the top-right corner.
2. Select a recipient using saved contact and banking information, or add a new recipient by entering their contact and bank details.
3. Choose the Slash account you want to use as the payment source, select ACH Transfer as the payment method, choose the destination bank account, and enter the payment amount (in USD).
4. Optionally, send the recipient an email confirmation with a payment description. You can also add a memo with internal notes that are visible only to you and other Slash account administrators.
5. Review the recipient's bank name, account number, and ACH routing number to ensure the payment details are correct.
6. Once all information is confirmed, click Send Payment.