R22 - Invalid Individual ID Number
The Receiver says the Individual Identification Number used to identify them (typically on CIE or MTE entries, e.g. a customer/account reference with the biller) is not correct.
R22 - Invalid Individual ID Number
The Receiver says the Individual Identification Number used to identify them (typically on CIE or MTE entries, e.g. a customer/account reference with the biller) is not correct. This rejection is recoverable: correct the cause and the same payment can be resubmitted.
What this code means
The Receiver says the Individual Identification Number used to identify them (typically on CIE or MTE entries, e.g. a customer/account reference with the biller) is not correct.
Typical causes
- Consumer typed the wrong customer reference into their online bill-pay
- Biller changed its customer numbering scheme
- Individual ID field populated with the wrong internal identifier
What to do
Correct the Individual ID Number and re-send. Not a reinitiation.
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.
799R22091000010000001 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