ACH Return Code R46: Invalid Representative Payee Indicator

Account Type: N/A

Time Frame for Return: N/A

SEC Codes: ENR

ISO Code: N/A

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 R46

ENR entries are used exclusively in a government context by U.S. Federal Government Agencies to enroll individuals in electronic benefit payments.
This return will generally not appear for standard consumer or business ACH activity unless you are working directly with a government enrollment program.

Code R46 means the Representative Payee Indicator included in an ENR entry was invalid. The Representative Payee Indicator is used by the agency to identify whether benefit payments are being managed by a representative payee on behalf of a beneficiary. This return may have occurred because:

• The indicator did not match the agency's records. The enrollment information conflicted with whether a representative payee is on file for the beneficiary.
• The indicator was entered incorrectly or omitted. A formatting error, missing value, or incorrect code caused the indicator to fail validation.
• The representative payee status had changed. Updates to the beneficiary's payee arrangement were not reflected at the time the ENR entry was submitted.

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.

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.