ACH — a returned WEB debit (R01, insufficient funds)
A WEB debit of 123.54 coming back. Three things change on a return and nothing else: the transaction code becomes 26 (the return code of a checking debit — NOT the original 27), the receiving bank becomes the ODFI of the original, and a new trace number is assigned. The amount is unchanged — ACH has no partial return. The addenda 99 carries R01 and points back to the original entry trace number. The batch still says WEB and still says TRANSFER: there is no "RETURN" description and no "RET" SEC code, however often the web says otherwise.
Nacha 94-character — Valid
A WEB debit of 123.54 coming back. Three things change on a return and nothing else: the transaction code becomes 26 (the return code of a checking debit — NOT the original 27), the receiving bank becomes the ODFI of the original, and a new trace number is assigned. The amount is unchanged — ACH has no partial return. The addenda 99 carries R01 and points back to the original entry trace number. The batch still says WEB and still says TRANSFER: there is no "RETURN" description and no "RET" SEC code, however often the web says otherwise.
What this file shows
A WEB debit of 123.54 coming back. Three things change on a return and nothing else: the transaction code becomes 26 (the return code of a checking debit — NOT the original 27), the receiving bank becomes the ODFI of the original, and a new trace number is assigned. The amount is unchanged — ACH has no partial return. The addenda 99 carries R01 and points back to the original entry trace number. The batch still says WEB and still says TRANSFER: there is no "RETURN" description and no "RET" SEC code, however often the web says otherwise.
| Transactions | 1 |
|---|---|
| Total | $123.54 |
| Date in the file | 2026-07-12 |
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
101 091000019 0910000192607121200A094101RECEIVING BANK ORIGIN BANK
5200COINLION 123456789 WEBTRANSFER 260712 1091000010000001
626091400606123456789 0000012354INV-2026-0042 PAUL JONES 1091000017611242
799R01091000010000001 09140060 091000017611242
82000000020009140060000000012354000000000000 091000010000001
9000001000001000000020009140060000000012354000000000000
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.
ACH / NACHA file (US)
- ACH — a notification of change (C01, corrected account number)
- ACH — an international entry (IAT) with its seven mandatory addenda
- ACH — PPD payroll credits, balanced with an offset debit
- ACH — CCD corporate debits with an addenda 05 remittance
- ACH — WEB debits (e-commerce, recurring and single-entry)
- ACH — CTX with seven addenda 05 carrying an EDI 820
- ACH — entry hash mismatch (truncated or tampered file)
- ACH — batch control debit total ≠ the sum of its entries
- ACH — invalid ABA 3-7-1 check digit on an entry routing number