R46 - Invalid Representative Payee Indicator (ENR only)
The representative-payee indicator code in an ENR entry is invalid or inconsistent with the enrolment.
R46 - Invalid Representative Payee Indicator (ENR only)
The representative-payee indicator code in an ENR entry is invalid or inconsistent with the enrolment. This rejection is recoverable: correct the cause and the same payment can be resubmitted.
What this code means
The representative-payee indicator code in an ENR entry is invalid or inconsistent with the enrolment.
Typical causes
- Representative payee indicator set to an undefined value
- Indicator contradicts the rest of the enrolment data
- Indicator omitted where required
What to do
ENR-only code. Correct the representative payee indicator and re-submit.
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.
799R46091000010000001 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