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As a business in today’s age, Automated Clearing House (ACH) payments are an important part of payment processing. With these types of transactions, there are several different ACH return code errors that you can receive if payment is denied. One of the least common is ACH R47.
The Automated Clearing House (ACH) is an electronic network linking banks and other financial institutions within the United States. By using the ACH network, an ACH transfer routes a payment from one bank account to another. Behind the network lies the National Automated Clearing House Association (NACHA), and it oversees every transaction that comes through.
However, these transfers aren’t always successful and can result in error messages like ACH return code R47. We take a look at the cause of an ACH return code R47, its formal definition, and solutions.
Note: This return code is among the 85 different ACH return codes that may generate from unsuccessful transactions.
What Does ACH Return Code R47 Mean?
The ACH R47 return code indicates that the federal government Agency has received a duplicate ENR (Automated Enrollment Entry) from the same RDFI (receiving depository financial institution). In the ENR process, an RDFI initiates direct deposits or direct payments to a federal agency at the request of a receiver. So, this means that the entry is a duplicate of another entry previously initiated by a participant in the automated enrollment program.
The formal definition for the R47 return code is as follows: The entry is a duplicate of an Automated Enrollment Entry previously initiated by an RDFI.
Solutions to Fix R47 Return Code
Since this error falls into a less common category, you won’t be able to find a solution without professional assistance. To fix this issue, the first thing you should do is contact the RDFI and tell them you’ve received an R47 error, and that you want to speak to the ACH operations group department. Second, you’ll give the agent the code number and present them with the formal definition. They will then be able to give you advice on how to proceed with ACH return code R47.
While ACH return codes can be quite a nuisance, they’re nothing that a simple phone call can’t fix. Don’t let uncommon ACH return codes sway you from accepting ACH payments. ACH payments are a fast and easy way to elevate your business without breaking the bank.