ACH Return Code R32: RDFI Non-Settlement

The R32 return code can be returned on consumer and non-consumer accounts. An ACH R32 return code indicates that the Receiving Depository Financial Institution (RDFI) is not able to settle the ACH transaction because it is in a non-settlement status, such as when the institution has suspended ACH settlement activities.

This return code is not restricted to a particular SEC code or account type. The ACH Operator must return an R32 entry when settlement cannot be completed due to the RDFI's non-settlement status.

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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 R32

Code R32 means the Receiving Depository Financial Institution (RDFI) was unable to settle the ACH entry. Settlement is the process by which funds are exchanged between financial institutions, and this return may have occurred because:

The RDFI could not complete settlement with the ACH Operator. A processing, funding, or operational issue prevented the bank from settling the transaction.
Settlement was blocked due to a bank-level issue. This can occur due to liquidity issues, system outages, or other internal bank constraints.

Sending ACH Payments with Slash

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

Navigate to the Payments dashboard and click Transfer Funds in the top-right corner.
Select a recipient using saved contact and banking information, or add a new recipient by entering their contact and bank details.
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).
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.
Review the recipient's bank name, account number, and ACH routing number to ensure the payment details are correct.
Once all information is confirmed, click Send Payment.

Slash offers 24/7 support by phone and email to help resolve any issues with sending payments. You can also improve how you manage ACH transfers by scheduling recurring ACH payments, receiving low-balance notifications, and tracking returned payments alongside other transactions. With Slash, you can view all account balances, ACH activity, and transfers in one centralized dashboard.

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How to resolve this return code

Follow these steps to address and prevent this ACH return.

Do not immediately retry.

Because this return is related to bank settlement rather than account details, retrying immediately will not resolve the issue.

Contact your payment provider or bank.

Determine whether and when the RDFI is able to settle transactions again.

Resubmit once settlement is restored.

Once settlement capability is restored and confirmed, the transaction may be resubmitted.