Invalid Individual ID Number
The individual identification number provided doesn't match the receiver's records or account information.
What Causes ACH Return Code R22?
The R22 ACH return code means "Invalid Individual ID Number" and indicates that the individual identification number used in the transaction doesn't match the receiver's account records. This code is primarily used for Customer Initiated Entry (CIE) transactions, where customers enter their own payment information through online portals, and Machine Transfer Entry (MTE) transactions at ATMs.
The individual ID number serves as a key identifier that allows the receiving bank to properly route and process the payment to the correct account. When this number is incorrect, mistyped, or doesn't correspond to the account holder's information on file, the receiving bank cannot validate the transaction and returns it with an R22 code to prevent processing errors and potential fraud.
Can You Retry R22 Payments?
You can retry R22 payments after verifying and correcting the individual identification number with the customer. Contact them to confirm the correct ID information, ensure it matches their account records, and resubmit the transaction with the accurate individual ID number.
How to respond
An R22 return requires contacting the customer to verify and correct their individual identification information before reprocessing the payment.
When receiving payments
- Contact Customer for Verification
Reach out to explain that their individual ID number doesn't match bank records and needs correction. - Request Correct Identification Information
Ask them to verify and provide the accurate individual ID number associated with their account. - Check for Common Input Errors
Review for typos, missing digits, or formatting issues in the ID number they provided. - Resubmit with Corrected Information
Process the payment again using the verified individual identification number.
When sending payments
An R22 return on vendor payments means the individual identification information you have for the vendor contact is incorrect. You'll need to verify the correct ID information before reprocessing.
- Contact the vendor to verify the correct individual identification number for their account
- Check your records for any data entry errors or outdated ID information
- Confirm the ID number format meets the receiving bank's requirements
- Resubmit the vendor payment with the verified individual identification information
Email template
- From
- [Your Company Name] <[your-email]>
- To
- [Customer Name] <[customer-email]>
- Subject
- Payment Processing Issue - ID Verification Needed
Hi [Customer Name],
We were unable to process your recent payment because the individual ID number you entered doesn't match your bank's records. This commonly happens due to typos or using an outdated ID number.
To complete your payment, please verify and provide the correct individual identification number associated with your bank account. You can typically find this information on your bank statements or by contacting your bank directly.
Once we receive the correct ID number, we'll process your payment immediately. Thank you for your patience.
Best regards,
[Your Company Name]