Rejections & Returns

Return Reasons

Below is a list of some of the more common return reasons.

Note

Only reasons marked Yes in Valid via Return API? can be used to initiate a return using the return Check Payment endpoint.

Reason	Description	Valid via Return API?
NotSufficientFunds	The account does not have sufficient available funds to cover the check.	No
StopPayment	A stop payment instruction was placed on the check.	Yes
ClosedAccount	The account on which the check was drawn is closed.	No
UnableToLocateAccount	The account on which the check was drawn could not be located.	No
FrozenAccount	The account is frozen or otherwise restricted from processing the check.	Yes
StaleDated	The check date is too far in the past to be accepted.	Yes
PostDated	The check is dated in the future.	Yes
NotValidCheckOrCashItem	The item is not a valid or negotiable check.	Yes
AlteredOrFictitious	The check appears to have been altered, fabricated, or counterfeited.	Yes
ItemExceedsDollarLimit	The check amount exceeds an applicable Check Payment limit.	Yes
NotAuthorized	The check was not authorized by the account holder.	Yes
ReferToMaker	The check cannot be paid and the recipient should contact the check issuer for more information.	Yes
UnusableImage	The check image is illegible or otherwise unusable for processing.	Yes
DuplicatePresentment	The check has already been presented for payment.	Yes