R75 - Return Not a Duplicate
CONTESTED DISHONORED RETURN (RDFI -> ODFI). Response to an R67 ('Duplicate Return'). The RDFI asserts that its return was NOT a duplicate and that the ODFI's dishonor is improper.
R75 - Return Not a Duplicate
CONTESTED DISHONORED RETURN (RDFI -> ODFI). Response to an R67 ('Duplicate Return'). The RDFI asserts that its return was NOT a duplicate and that the ODFI's dishonor is improper. This rejection is final: resubmitting the same payment will fail again — resolve the underlying situation first.
What this code means
CONTESTED DISHONORED RETURN (RDFI -> ODFI). Response to an R67 ('Duplicate Return'). The RDFI asserts that its return was NOT a duplicate and that the ODFI's dishonor is improper.
Typical causes
- ODFI mistook two distinct returns for one
- Two genuinely separate entries returned with similar data
- Trace-number matching error at the ODFI
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.
799R75091000010000001 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 · frbservices.org