R31 - Permissible Return Entry (CCD and CTX only)
The RDFI asked the ODFI whether it could return a CCD or CTX entry outside the normal deadlines, and the ODFI agreed. It is a negotiated, permitted late return rather than a unilateral rejection.
R31 - Permissible Return Entry (CCD and CTX only)
The RDFI asked the ODFI whether it could return a CCD or CTX entry outside the normal deadlines, and the ODFI agreed. It is a negotiated, permitted late return rather than a unilateral rejection. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
The RDFI asked the ODFI whether it could return a CCD or CTX entry outside the normal deadlines, and the ODFI agreed. It is a negotiated, permitted late return rather than a unilateral rejection.
Typical causes
- Corporate Receiver spotted an erroneous debit after the standard return window closed
- ODFI agreed to accept a late return to settle a dispute
- Corporate reconciliation identified the problem days later
What to do
Not a reinitiation scenario. The return was agreed between the two banks; resolve commercially with the corporate Receiver.
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.
799R31091000010000001 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