R73 - Timely Original Return

What this code means

CONTESTED DISHONORED RETURN (RDFI -> ODFI). Response to an R68 ('Untimely Return'). The RDFI certifies that its original return WAS sent within the required timeframe, and is pushing back on the ODFI's dishonor.

Typical causes

• ODFI wrongly claimed the return was late
• Settlement-date arithmetic disputed between the two banks
• Holiday/banking-day calendar disagreement

What to do

Bank-to-bank contest code. Contested dishonored returns must be transmitted within 2 banking days of the settlement date of the dishonored return.

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.

799R73091000010000001      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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