Return Code (R10) - Account holder advises that transaction is not authorized.

What it means

The person who owns the bank account has told their bank that the EFT was unauthorized. The bank account owner has signed a Written Statement of Unauthorized Debit with regard to this transaction. The ODFI warrants each entry is authorized by the Originator and Receiver to the RDFI & ACH Operator. In the event an EFT is unauthorized the transaction may be charged back up to two years after the transaction.

How to fix it

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

Determine if you have proper authorization and contact the account owner to find out why they believe the transaction is unauthorized.

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 until the issue is resolved.

Formal Definition

R10 Customer Advises Not Authorized, Notice Not Provided, Improper Source

The RDFI has been notified by the Receiver that the Entry is unauthorized, improper, ineligible, or part of an Incomplete Transaction.

Article #: 112259


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