Sometimes, banks may not allow PayJunction to withdraw funds from a particular bank account. These attempts will reject with the code: R29. In such a case, the bank will need to allow PayJunction to charge the account. The bank will need PayJunction's Originating ID's in order to enable withdrawals by PayJunction.

PayJunction has three Originating ID's. Please ask the bank to allow all Originating ID's to charge the account:

• 1470259040
• 9470259043
• 2470259040

Important: Make sure your bank approves all three Originating IDs. If only one or two are approved, some ACH debits or credits may still be rejected.

Why are there three Originating IDs?

PayJunction and TSYS use multiple ACH Originating IDs for different types of ACH activity.

Approving all three IDs helps ensure that future deposits, fee debits, ACH returns, and other ACH transactions process successfully.

Why can't PayJunction just redebit my account?

We understand this is a common question.

If your bank has already rejected one of our ACH debits as unauthorized, we can't simply try the debit again.

This is required by the NACHA Operating Rules, which govern ACH transactions in the United States. Once a bank notifies us that an ACH debit isn't authorized, we must resolve the authorization issue before sending another debit.

In other words, the restriction is coming from your bank - not from PayJunction.

Why do I need to provide a bank letter?

The bank letter confirms that your bank has:

• Removed the restriction on your account.
• Approved PayJunction and TSYS to debit and credit the account.
• Authorized future ACH activity.

This confirmation is required before we can resume ACH debits and credits on the account.

To be accepted, the bank letter should include:

• Account Name
• Account Number
• Routing Number
• Confirmation that PayJunction and TSYS are authorized to debit and credit the account
• A signature from a bank representative
• A date after the most recent reject

Frequently Asked Questions

I already authorized PayJunction to redebit my account. Isn't that enough?

Unfortunately, no.

Even if you authorize us to redebit the account, your bank has already notified the ACH network that the debit isn't authorized. Before we can submit another ACH debit, your bank must remove that restriction and confirm that PayJunction and TSYS are authorized to access the account.

Can PayJunction make an exception and try the debit again?

No.

Once a bank rejects an ACH debit as unauthorized, the NACHA Operating Rules require us to resolve the authorization issue before attempting another debit.

What happens after I submit my bank letter?

Once we receive your bank letter, we'll send it to TSYS for review.

After the letter has been accepted, we'll let you know that the issue has been resolved and, if applicable, any held funds will be released.