If a bank rejects an ePayment transaction or a test transaction when adding a bank account, the bank account is marked as invalid and inactivated in Bill.com. If you're expecting a payment, you'll need to ask your payer to resend payment. You can follow the steps below, to retrieve the reason code. You'll use this reason code to work with your bank to resolve the issue.
Once you've contacted your bank and resolved the issue based on the reason code, you'll need to re-add the bank or add a different bank.
Details for why a bank account was invalidated
- Select Settings
- We're currently rolling out a fresh new look for our Settings page, so you may see one of 2 designs. Please follow the steps that match what your Settings page looks like.
Select Bank Accounts under Your Company if your Settings page looks like this:
Select Bank Accounts under Bank & Payment Accounts if your Settings page looks like this:
- Select the bank account number that displays Invalid under Verification Status
- Hover over Details and select Audit Trail
The bank return code is displayed in the New Value field and often includes details explaining the code. This is the reason the bank provided for why the funds were rejected by the receiving bank.
We process ePayments via ACH (Automated Clearing House) and cannot deposit to some accounts. For example, we cannot deposit to accounts that don't accept ACH in CCD format. We send business bank to business bank files, which also work for personal accounts.
5 most common return codes
R01 - Insufficient Funds - the available balance is not sufficient to cover the dollar amount of the debit entry
R02 - Account Closed - a previously active account has been closed by customer or customer's bank
R03 - No Account/Unable to Locate Account - the account structure is valid and passes editing process, but does not correspond to individual or is not an open account.
R16 - The account and/or its funds are currently not available.
R29 - Corporate Customer Advises Not Authorized - RDFI has been notified by Receiver (non-consumer) that entry was not authorized.
R85 - Incorrectly coded outbound international payment.
If the bank return code reported isn't listed above or if you have questions regarding the return code displayed, please contact your bank's ACH department.