R29 - Corporate Customer Advises Not Authorized

What this code means

The business (non-consumer) Receiver tells its bank it did not authorize the Originator to debit its account. This is the corporate analogue of R10, but with a far shorter return window because businesses are expected to reconcile daily.

Typical causes

• Business had ACH debit block/filter rules that the Originator's Company ID did not satisfy
• Authorization agreement lapsed or was never executed
• Vendor debited a corporate account without an agreed mandate

What to do

Do not reinitiate. A new corporate authorization is required. Counts toward Nacha's 0.5% unauthorized-return threshold. Note the window is only 2 banking days, not 60 days - corporate receivers do not get the consumer 60-day protection.

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.

799R29091000010000001      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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