R53 - Item and RCK Entry Presented for Payment (RCK only)
Both the paper cheque AND the RCK entry created from it have been presented for payment - the Receiver is being charged twice for the same item.
R53 - Item and RCK Entry Presented for Payment (RCK only)
Both the paper cheque AND the RCK entry created from it have been presented for payment - the Receiver is being charged twice for the same item. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
Both the paper cheque AND the RCK entry created from it have been presented for payment - the Receiver is being charged twice for the same item.
Typical causes
- Paper cheque deposited again while the RCK was in flight
- Collection pursued simultaneously on the cheque and ACH rails
- Cheque not withheld after the RCK was created
What to do
RCK-only code. Do not re-send. Ensure the paper item is not presented once an RCK has been originated from it.
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.
799R53091000010000001 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