Nacha

ACH stands for Automated Clearing House Network, a nationwide electronic funds transfer system governed by NACHA rules. In 2002, ACH processed over 8 billion payments valued at trillions of dollars, demonstrating its massive scale in financial transactions. ACH facilitates various payment types including e-commerce, eChecks, B2B transactions, direct deposits, tax payments, and mortgage payments.

This article provides a comprehensive list of NACHA ACH return and change codes, essential for businesses processing eCheck or ACH transactions. Return codes, designated with 'R', indicate reasons for failed transactions such as insufficient funds or account closures, while change codes, marked 'C', signal necessary corrections to account information. Understanding these codes is crucial for managing and troubleshooting ACH payment processes effectively.

ACH transactions have been around a long time.