The R75 return code can be returned on consumer and non-consumer accounts. An ACH R75 return code indicates that an original return entry was not a duplicate of a previously returned transaction.
This return code is used by the Receiving Depository Financial Institution (RDFI) to contest a dishonored return sent by the Originating Depository Financial Institution (ODFI) using R67 (Duplicate Return) when the RDFI maintains that the original return was valid and unique.
This return code is used in the ACH return and dishonored return process rather than for the original ACH transaction. The RDFI must transmit an R75 entry within 2 banking days of settlement of the dishonored return.
The standard in finance
Slash goes above with better controls, better rewards, and better support for your business.
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 R75
Code R75 means the RDFI is asserting that a return is not a duplicate, contrary to a claim made by the ODFI. This return code is used when the originating bank previously rejected a return as being a duplicate (R73 dispute context), but the RDFI maintains that the return is unique and valid. This may have occurred because:
- The returns relate to different transactions. The RDFI may have sent returns for separate ACH entries that appear similar but are actually distinct transactions.
- The ODFI incorrectly identified the return as a duplicate. Matching errors or incomplete review processes at the originating bank may have led to a false duplicate determination.
- The RDFI has documentation showing the return is unique. The receiving bank can provide evidence that this return entry has not been previously submitted and should be processed.
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.
Apply in less than 10 minutes today
Join the 10,000+ businesses already using Slash.
