R08 - Payment Stopped
The Receiver placed a stop-payment order on this specific debit (or on a recurring series) with their own bank. Unlike R07, the customer went to the bank rather than to the Originator.
R08 - Payment Stopped
The Receiver placed a stop-payment order on this specific debit (or on a recurring series) with their own bank. Unlike R07, the customer went to the bank rather than to the Originator. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The Receiver placed a stop-payment order on this specific debit (or on a recurring series) with their own bank. Unlike R07, the customer went to the bank rather than to the Originator.
Typical causes
- Customer disputes the amount or the goods/services and blocked the debit at their bank
- Customer stopped a recurring series after failing to reach the Originator
- Duplicate debit spotted by the customer before posting
What to do
Do not reinitiate the stopped entry. Contact the customer and resolve the underlying dispute; a further debit against a live stop-payment order will simply be returned again.
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.
799R08091000010000001 09100001 091000019000001Tools for this code
Decode a real status report, or check a payment file before you send it — all in your browser, nothing uploaded.
Related codes
Source: Nacha ISO 20022 mapping guide + Federal Reserve ACH Return Reason Report + US Treasury Green Book · Last verified: 2026-07-13
Checked against: nacha.org · frbservices.org