The R84 return code can be returned on consumer and non-consumer accounts. An ACH R84 return code indicates that a Gateway Operator was unable to process an IAT (International ACH Transaction) and therefore could not forward it to the foreign receiving financial institution.
This may occur because of invalid IAT data, gateway processing issues, or other conditions that prevent the cross-border payment from being transmitted. This return code applies specifically to IAT entries and is not used for standard domestic ACH transactions. The Gateway Operator must return an R84 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 R84
Code R84 means the IAT entry was not processed by the ACH gateway operator. This return indicates that the entry didn't successfully pass through the gateway that facilitates international ACH transactions between the U.S. and foreign financial systems. This may have occurred because:
- The gateway rejected the entry due to technical issues. System errors, connectivity problems, or data transmission failures at the gateway operator may have prevented processing.
- The entry didn't meet gateway processing requirements. Gateway operators have specific validation rules and the entry may have failed these checks before reaching the foreign banking system.
- Gateway operations were suspended or unavailable. Scheduled maintenance, outages, or operational disruptions at the gateway may have prevented transaction processing during the submission window.
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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