Understanding and Resolving R29 Returns for B2B Transactions article

What is an R29 Return?

An R29 return code indicates that a corporate customer has not authorized the ACH debit transaction. This typically occurs when businesses have ACH fraud prevention measures in place that block unrecognized transactions.

Why Do R29 Returns Happen?

R29 returns most commonly result from a security feature called ACH Positive Pay that many commercial banks offer to their business customers.

What is ACH Positive Pay?

ACH Positive Pay is an online fraud-prevention service that allows businesses to:

• Set specific rules for authorized ACH debits

• Approve specific vendors or company IDs

• Establish transaction limits

• Review and approve/deny exceptions before they post

When Straddle attempts to process an ACH debit that doesn't match the customer's predefined rules, the transaction is flagged as an "exception" and blocked, resulting in an R29 return.

How to Resolve R29 Returns

To prevent R29 returns, your business customers need to authorize Straddle's ACH transactions with their financial institution. These blocks will continue until the customer updates their ACH Positive Pay settings.

Information Your Customer Needs to Provide

Ask your customers to contact their bank and authorize ACH transactions using the following information:

ACH Company Name:

• {Your Company Name}

ACH Company IDs:

• SD93213237

• 1464699697

Important Notes

• Transactions will continue to be blocked until the customer updates their ACH Positive Pay settings

• Multiple R29 returns can impact NACHA compliance thresholds

• Once authorized, future transactions from Straddle should process smoothly

Need Additional Support?

If you continue experiencing R29 returns after your customer has updated their ACH Positive Pay settings, please contact our support team at help@straddle.io for assistance.