Find out what R## codes mean and what you need to do to fix them.
If you have QuickBooks Payments (Merchant Services), you can accept bank payments from customers to pay for invoices and other sales.
In the rare case a bank payment you process is rejected, don't worry. If there's ever an issue getting bank payments into your bank account, we'll send you an email. The email gives you a specific code, describes the problem, and guides you through what to do. Any related fees will also be in the email.
Here are the R## codes you may see in the email and what you can do to fix them.
Learn about R## codes
Always follow the steps in the email we send you. We'll always send the most up-to-date info. Use the chart below as a reference.
| R ## Reject code | What the code means | What you can do |
| R01/R09 | Insufficient funds/Uncollected funds The available balance in your account isn't enough to cover the fees. | Check the balance of the bank account associated with your QuickBooks Payments account. If the funds are now available, or you want to pay your outstanding balance by credit card, contact our Customer Support team. Please have your Merchant Account info and case number ready. |
| R02 | Account Closed The account you used for QuickBooks payments isn't active. | Change the deposit bank account for QuickBooks Payments. |
| R03/R04 | No Account/Unable to Locate Account/Invalid Account Number The account number doesn't match the individual on the payment, or the account isn't valid. | Change the deposit bank account for QuickBooks Payments. |
| R05 | Unauthorized Debit Entry A business debit entry was transmitted to a member's consumer account, and the member didn't authorize the entry. | Change the deposit bank account for QuickBooks Payments or have your bank submit a bank letter to tell us the issue is fixed. |
| R06 | Returned at Our Bank's Request Intuit didn't accept the payment. | You don't need to do anything. We'll work to fix the issue. |
| R07 | Authorization Revoked by Customer You previously authorized an entry but revoked the authorization. This means you stopped the deposit. If you use a corporate account, make sure you tell your bank to accept deposits from QuickBooks Payments. | Change the deposit bank account for QuickBooks Payments or have your bank submit a bank letter to tell us the issue is fixed. |
| R08 | Payment Stopped You requested a stop payment with your bank. | Change the deposit bank account for QuickBooks Payments or have your bank submit a bank letter to tell us the issue is fixed. |
| R10/R29 | Customer Advises Not Authorized/ Corporate Customer Advises Not Authorized You told your bank that Intuit isn't authorized to debit your account and/or an entry was not authorized. | Work with your bank to authorize payments coming from Intuit and QuickBooks. Change the deposit bank account for QuickBooks Payments. or have your bank submit a bank letter to tell us the issue is fixed. |
| R11 | Check Safekeeping Entry Return | You don't need to do anything. We'll work to fix the issue. |
| R12 | Branch Sold To Another DFI Your current QuickBooks payment account info changed since your bank or branch was sold to another financial institution. | Change the deposit bank account for QuickBooks Payments. Add your new routing and account numbers for the account QuickBooks deposits payments into. |
| R13 | Bank Not Qualified to Participate Your bank can't participate in automated clearing house or the routing number is incorrect | Change the deposit bank account for QuickBooks Payments. |
| R14/R15 | Account Holder Deceased The account holder has died (used in the event of a Representative Payee, Guardian, or trustee). | If the account holder is deceased, please send us a Death Certificate. Depending on the bank's policy, you may need to send a letter or change the bank account completely. Have your bank submit a bank letter. |
| R16 | Account Frozen Funds unavailable due to legal action or your bank. In this case, you can't access your account. | Work with your bank and follow the proper procedures to fix your account. Change the deposit bank account for QuickBooks Payments or have your bank submit a bank letter to tell us the issue is fixed. |
| R17 | File Record Edit Criteria Your bank rejected some portions of this item (identified in return addenda). | You do not need to do anything. We'll try to fix this issue. |
| R20 | Non-Transaction Account Policies or regulations prohibit or limit automated clearing house activity on your account. | Check the account you told QuickBooks to deposit payments into. Make sure it's a checking account or some other transactional account. It can't be a savings account. In general, savings accounts only allow a limited number of daily debits. If you need to change the account QuickBooks puts payments into, follow the steps to update your bank info. |
| R21 | Invalid Company Identification | The NACHA handles these issues. You don't need to do anything. |
| R22 | Invalid Individual ID Number | The NACHA handles these issues. You don't need to do anything. |
| R23 | Entry refused by your bank due to one of the following: Minimum or exact amount not remitted, Account subject to litigation, Transaction results in an overpayment, Intuit's bank not known by your bank, You didn't authorize payment. | Change the deposit bank account for QuickBooks Payments. Or, have your bank submit a bank letter to tell us the issue is fixed. |
| R24 | Duplicate Entry The request appears to be a duplicate entry. | You don’t need to do anything. We’ll work to fix this issue. |
| R ## Reject Code | What the code means | What you can do |
| 900 902 912 | No Account/Unable to Locate Account/Invalid Account Number The account number doesn't match the individual on the payment, or the account isn't valid. | |
| 901 908 | Insufficient funds/Uncollected funds The available balance in your account isn't enough to cover the fees. | Check the balance of the bank account associated with your QuickBooks Payments account. If the funds are now available, or you want to pay your outstanding balance by credit card, contact our Customer Support team. Please have your Merchant Account info and case number ready. |
| 903 | Payment Stopped You requested a stop payment with your bank. | Have your bank submit a bank letter to tell us the issue is fixed. |
| 905 | Account Closed The account you used for QuickBooks payments isn't active. | |
| 907 | "Non-Transaction Account" Policies or regulations prohibit or limit bank payment activity on your account | Check the account you told QuickBooks to deposit payments into. Make sure it's a chequing account or some other transactional account. It can't be a savings account. In general, savings accounts only allow a limited number of daily debits. If you need to change the account QuickBooks puts payments into, follow the steps to update your bank info. |
| 909 | Currency/Account Mismatch The currency of the transaction does not match | Have your bank submit a bank letter to tell us the issue is fixed. |
| 910 | Account Holder Deceased The account holder has died (used in the event of a Representative Payee, Guardian, or trustee). | If the account holder is deceased, please send us a Death Certificate. Depending on the bank's policy, you may need to send a letter or change the bank account completely. Have your bank submit a bank letter. |
| 911 | Account Frozen Funds unavailable due to legal action or your bank. In this case, you can't access your account. | Work with your bank to authorize payments coming from Intuit and QuickBooks or have your bank submit a bank letter to tell us the issue is fixed. |
| 914 | Incorrect Payor/Payee Name The payor/payee name on the transaction does not match the account holder’s name. | Work with your bank and follow the proper procedures to fix your account. |
| 915 916 917 918 919 920 | Customer Advises Not Authorized/ Corporate Customer Advises Not Authorized You told your bank that Intuit isn't authorized to debit your account and/or an entry was not authorized. | Work with your bank to authorize payments coming from Intuit and QuickBooks. |
| 921 | Duplicate Entry The request appears to be a duplicate entry. | You don’t need to do anything. We’ll work to fix this issue. |
Submit a required bank letter
If a letter from your bank is required to resolve an issue, there are several requirements. The letter needs to clearly state the reason the payment was rejected and that you followed the steps in the email to resolve it.
In addition, your bank letter must include all of the following:
- Official bank letterhead
- State that the issue with the account was resolved and the account is open and available for both bank payments debits and credits
- Include your case number or Merchant Account Number (this info is in the email we send you)
- Include your bank account number and the routing number
- Include a telephone number for a bank representative
- Be signed and dated by a bank representative
Once the bank account has been updated, use the link provided in the email to upload the completed bank letter.