R07 - Authorization Revoked by Customer

What this code means

The consumer had validly authorized the Originator at some point, but has since revoked that authorization by telling the Originator to stop. The debit therefore no longer has a live mandate behind it.

Typical causes

• Customer cancelled a subscription but billing continued
• Revocation notice reached customer service but never reached the billing system
• Originator kept debiting after an agreed end date

What to do

Do not reinitiate. A brand-new authorization from the consumer is required before any further debit. Requires a Written Statement of Unauthorized Debit. Counts toward the 0.5% unauthorized-return threshold.

What it looks like in an ACH return

The return arrives as an Addenda Record (type 99), 94 characters wide. The return reason code sits in positions 4-6.

799R07091000010000001      09100001                                            091000019000001

Tools for this code

Decode a real status report, or check a payment file before you send it — all in your browser, nothing uploaded.

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