ACH Return Codes: The Worst Snubs in Your Payout Pipeline ACH Return Codes: The Worst Snubs in Your Payout Pipeline When you're building a payout system, not every ACH transaction makes it to settlement. The National Automated Clearing House (NACHA) defines 86 return codes (R01–R85) that tell you exactly why a transaction failed—but most developers only handle a handful. The real problem? Treating all returns the same way, or worse, ignoring the ones that should trigger immedia...