Untimely Return
The return was not processed within NACHA's required timeframe.
What Causes ACH Return Code R68?
The R68 ACH return code means "Untimely Return" and indicates that a return entry was not sent within the specific timeframe established by NACHA rules. This typically occurs when a receiving bank (RDFI) attempts to return a transaction after missing the required deadline, usually 5 banking days from the settlement date of the original transaction.
R68 is classified as a dishonored return code, meaning it represents a secondary return that occurs when the initial return process fails due to timing violations. This creates additional complications because the original transaction may have already been considered settled, making recovery more complex and requiring coordination between multiple financial institutions.
Can You Retry R68 Payments?
You cannot directly retry R68 payments since this code indicates a procedural failure in the return process rather than an issue with the original transaction. To resolve R68 situations, you must contact the receiving bank (RDFI) to request a return reversal or work through alternative recovery methods outside the standard ACH network procedures.
How to respond
An R68 return indicates timing failures in the return process, requiring immediate coordination with the receiving bank to explore alternative recovery options outside standard ACH procedures.
When receiving payments
- Contact the RDFI Immediately
Reach out to the receiving bank's ACH operations department to understand why the return was delayed. - Request Return Reversal
Ask if the RDFI can reverse the untimely return based on the circumstances that caused the delay. - Document the Timeline
Gather information about when the original transaction occurred and when the return should have been processed. - Explore Alternative Recovery
Work with both banks to find resolution methods outside the standard ACH network if needed.
When sending payments
An R68 return on vendor payments indicates that your bank missed the deadline to process a return, creating a complex situation that requires direct coordination with the vendor's bank to resolve the timing violation.
- Contact your bank's ACH operations team immediately to understand the delay
- Work with them to contact the vendor's bank (RDFI) for return reversal options
- Communicate transparently with the vendor about the bank processing delay
- Document all timing details for potential alternative recovery methods
Email template
- From
- [Your Company Name] <[your-email]>
- To
- [Customer Name] <[customer-email]>
- Subject
- Payment Processing Delay - R68 Return Code Resolution
Hi [Customer Name],
We've encountered a processing delay with your recent payment due to timing issues between our banks. This is a procedural matter where the return wasn't processed within the required timeframe.
We're actively working with both financial institutions to resolve this situation. This type of delay is typically resolved within 2-3 business days once we coordinate with the receiving bank.
We'll update you as soon as we have more information and will ensure your payment is processed correctly. No additional action is needed from you at this time.
Best regards,
[Your Company Name]