R45 - Invalid Individual Name / Company Name (ENR only)
The individual or company name supplied in an ENR entry is invalid or does not match the agency's records.
R45 - Invalid Individual Name / Company Name (ENR only)
The individual or company name supplied in an ENR entry is invalid or does not match the agency's records. This rejection is recoverable: correct the cause and the same payment can be resubmitted.
What this code means
The individual or company name supplied in an ENR entry is invalid or does not match the agency's records.
Typical causes
- Name misspelled in the enrolment record
- Name does not match the agency's record for the identification number given
- Name field contains invalid characters
What to do
ENR-only code. Correct the name and re-submit the enrolment.
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.
799R45091000010000001 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 · fiscal.treasury.gov