R23 - Credit Entry Refused by Receiver
The Receiver actively refuses an incoming credit - for example because the amount is wrong (over- or under-payment), the Originator is unknown to them, or the payment is subject to litigation. The money is being handed back voluntarily.
R23 - Credit Entry Refused by Receiver
The Receiver actively refuses an incoming credit - for example because the amount is wrong (over- or under-payment), the Originator is unknown to them, or the payment is subject to litigation. The money is being handed back voluntarily. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The Receiver actively refuses an incoming credit - for example because the amount is wrong (over- or under-payment), the Originator is unknown to them, or the payment is subject to litigation. The money is being handed back voluntarily.
Typical causes
- Amount credited does not match the amount owed (over/underpayment)
- Receiver does not recognise the Originator and refuses the funds
- Receiver has instructed that payments be made by another channel
What to do
Do not simply re-send. Resolve the underlying commercial dispute with the Receiver first; a refused credit re-sent unchanged will be refused 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.
799R23091000010000001 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