Free payment code lookup
Every ACH return, NOC and SEC code — and the ISO ones too.
Search return reason codes with their timeframes, Notification of Change codes with their corrected-data layouts, SEC codes, ISO 20022 status reasons and ISO 4217 currencies with their minor units.
- R01–R85 with timeframes
- C01–C14 and C61–C69
- ISO 20022 and ISO 4217
- REST + MCP
Look up a code361 codes in five sets
70 codes.
R01Insufficient Funds
The balance can't cover the debit.
- Return type
- Return (RDFI)
- Timeframe
- Available to the ODFI by opening of business on the 2nd banking day after the settlement date of the original entry
- Accounts
- Consumer and corporate
- Sent by
- RDFI
Source: Nacha Operating Rules, Appendix Four
Use it from codeSame answer over REST or MCP · no key
curl -s 'https://payopskit.com/api/v1/codes/R01?set=ach-return'The five code sets
Nacha’s codes change with the Operating Rules; ISO publishes its external code sets quarterly and amends ISO 4217 whenever a currency changes. Recently withdrawn currencies stay listed, marked, with what replaced them.
ach-return· 70 codesACH return reason codes
R01–R85: why an ACH entry came back, with the return timeframe and consumer/corporate notes.
Source: Nacha Operating Rules, Appendix Four
ach-noc· 23 codesACH Notification of Change codes
C01–C14 corrections and C61–C69 refused NOCs.
Source: Nacha Operating Rules, Appendix Five
ach-sec· 23 codesACH Standard Entry Class codes
PPD, CCD, WEB, CTX, IAT and the rest, with direction and addenda rules.
Source: Nacha Operating Rules, Appendix Three
iso20022-status· 62 codesISO 20022 status reason codes
A common subset of ExternalStatusReason1Code (pain.002, pacs.002; many also used as pacs.004 return reasons).
Source: ISO 20022 External Code Sets (published quarterly); definitions paraphrased
iso4217· 183 codesISO 4217 currency codes
Alphabetic and numeric currency codes with minor units (decimal places).
Source: ISO 4217 (maintained by SIX)
Reading the results
- Return timeframes are this site’s reading of the Nacha Operating Rules, with a caveat wherever a detail should be confirmed. The ACH date calculator turns a code and a settlement date into a deadline.
- ISO 20022 definitions are paraphrased; the official text is in ISO’s External Code Sets.
- A three-digit search also finds ISO 4217 numeric codes (840 is USD).
Use it from code or an agent
No key and no account. The page, the REST endpoint and the MCP tool run the same code, so they always agree.
- Look one code up (exact match, any set or one).
GET /api/v1/codes/R10MCP toollookup_payment_code - Search codes, names and descriptions; set narrows it to one code set.
GET /api/v1/codes?q=insufficient&set=ach-returnMCP toollookup_payment_code
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