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R45

ACH Return Code R45: Invalid Individual/Company Name

Invalid Individual/Company Name

ACH Return Code R45 indicates: Invalid Individual/Company Name.

What is R45?

This return code is used when invalid individual/company name. Understanding this code helps businesses handle ACH payment returns effectively.

How to resolve R45

  1. . **Review the transaction details** - Check all submitted information
  2. . **Contact the customer** - Verify their banking information
  3. . **Consult with your bank** - Get guidance on next steps

Prevention tips

  • Validate account information before submitting transactions
  • Maintain accurate customer records
  • Implement proper verification procedures

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

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