The R80 return code can be returned on consumer and non-consumer accounts. An ACH R80 return code indicates that an IAT (International ACH Transaction) contains an error in the cross-border payment coding or required IAT information, preventing the transaction from being processed in accordance with NACHA Operating Rules.
This return code applies specifically to IAT entries and is not used for standard domestic ACH transactions. The Receiving Depository Financial Institution (RDFI) must return an R80 entry within 2 banking days of settlement.
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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 R80
Code R80 means the International ACH Transaction (IAT) entry contains one or more coding errors. This return indicates that required fields in the IAT entry are missing, improperly formatted, or contain invalid data that prevents proper processing. This may have occurred because:
- Required IAT-specific fields are missing or incomplete. IAT entries require additional information beyond standard ACH entries, such as foreign exchange reference, originator/receiver addresses, and purpose codes.
- Field formatting doesn't comply with IAT specifications. Data may be in the wrong format, exceed character limits, or use invalid codes according to IAT entry requirements.
- System or template errors generated incorrect IAT coding. Payment processing software or file creation tools may have populated IAT fields incorrectly or used outdated coding standards.
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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