R77 - Non-Acceptance of R62 Dishonored Return
CONTESTED DISHONORED RETURN (RDFI -> ODFI). Response to an R62. The RDFI declines to accept the R62 dishonored return, typically because it has already returned the erroneous entry, or because the funds are simply not recoverable from the Receiver's account.
R77 - Non-Acceptance of R62 Dishonored Return
CONTESTED DISHONORED RETURN (RDFI -> ODFI). Response to an R62. The RDFI declines to accept the R62 dishonored return, typically because it has already returned the erroneous entry, or because the funds are simply not recoverable from the Receiver's account. 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 R62. The RDFI declines to accept the R62 dishonored return, typically because it has already returned the erroneous entry, or because the funds are simply not recoverable from the Receiver's account.
Typical causes
- RDFI already returned the erroneous entry separately
- Funds no longer available in the Receiver's account to recover
- Receiver's account closed before the reversal could be applied
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.
799R77091000010000001 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