Return Code (R08) - Account holder has stopped payment on this single transaction.

What it means

The person who owns the bank account (i.e. the resident) has told their bank that this EFT was unauthorized.

How to fix it

For tenant payments, Association owner payments, and rental application fees

Contact the resident or applicant to find out why they stopped the payment and how they'd like to proceed.

Once a transaction has been returned with this code, the same bank account cannot be used in a future transaction. Doing so could result in a fine. To avoid this, you should be careful to use a different bank account and delete any recurring payments.

For rental owner and vendor payments

You told your bank that the EFT was unauthorized. This return code will usually result in your merchant account being placed on funding hold by ACH Direct until the issue is resolved.

Formal Definition

R08 Payment Stopped

The Receiver of a debit transaction has the right to stop payment on any specific ACH debit. A stop payment request should be handled in accordance with the provisions of Article Eight (Recall, Stop Payment, Recredit, and Adjustment) of these Rules. The RDFI should verify the Receiver's intent when a request for stop payment is made to ensure this is not intended to be a revocation of authorization (R07). A stop payment order shall remain in effect until the earliest of the following occurs: a lapse of six months from the date of the stop payment order, payment of the debit entry has been stopped, or the Receiver withdraws the stop payment order.

Article #: 112257


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