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For those unfamiliar with ACH return codes, R1 typically refers to “insufficient funds,” while R5 refers to “unauthorized debit to consumer account using corporate SECcode,” meaning the accountholder did not authorize the transaction. ” Oregon-based Sila launched its ACHNow product in 2018. .
However, we want to help you get a better understanding of certain terms – and that’s what we will do in this article with SECcodes. Below, you will find all the information you might need about ACH transactions, in which those codes are used, as well as what they are, and share with you some real life examples. .
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