SimpleACH (ACH) Error Code Directory

This directory lists common ACH error codes that may appear when a consignor’s payout fails. Each code includes a plain-language explanation and recommended resolution steps to ensure funds are properly issued.

Common Error Codes and Resolutions

R02 – Account Closed

• Explanation:
  The consignor's bank account has been closed and is no longer available to receive deposits.

• Recommended Actions:

  1. Ask the consignor to update their banking details in the system.

  2. Retry the payout once the new account is confirmed.

  3. If no updated information is provided, void the payout and issue funds via check, cash, or store credit.

R03 – No Account / Unable to Locate Account

• Explanation:
  The entered account number format is valid but doesn’t match an active account or the identified individual.

• Recommended Actions:

  1. Contact SimpleConsign Support to verify if the account can be reused or must be replaced.

  2. If necessary, ask the consignor to enter a new bank account.

  3. If unresolved, void the payout and issue funds using an alternate method (check, cash, or store credit).

R04 – Invalid Account Number

• Explanation:
  The account number format is invalid or contains incorrect digits.

• Recommended Actions:

  1. Instruct the consignor to re-enter the correct account number.

  2. Retry the payout after confirming the updated details.

  3. If correction isn’t possible, void the payout and use an alternative payment method.

R13 – Invalid ACH Routing Number

• Explanation:
  The routing number is not recognized as a valid ACH routing number.

• Recommended Actions:

  1. Request the consignor to double-check and re-enter the correct routing number.

  2. Retry the payout once the routing number is validated.

  3. If the issue persists, void the payout and disburse funds via check, cash, or store credit.

R16 – Account Frozen / Entry Returned per OFAC Instruction

• Explanation:
  The account has been frozen due to:

  • Action by the receiving bank (RDFI), such as a legal hold.

  • Instruction from the Office of Foreign Assets Control (OFAC).

• Recommended Actions:

  1. Contact SimpleConsign Support immediately for guidance on next steps.

  2. If the situation cannot be resolved, void the payout and issue the funds through other means.

Additional Notes

• If any other ACH error codes are encountered not listed above:

  • Contact SimpleConsign Support for clarification and next steps.

  • Alternatively, void the payout and disburse funds using check, cash, or store credit.