Occasionally, PayJunction may be blocked from withdrawing funds from your bank account. When this occurs, the transaction is returned with an ACH return code of R29 (Corporate Customer Advises Not Authorized).
When that occurs, the issue must be resolved by your bank authorizing PayJunction to debit (withdraw) the account.
Your 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.
Because different transaction types may use different Originating IDs, your bank must authorize all three to ensure future deposits, fee debits, ACH returns, and other ACH activity 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, PayJunction can't resolve this issue. Under the NACHA Operating Rules, only your bank can remove the restriction and authorize future ACH activity.
Your bank will then need to ensure all three origination IDs are allowed to debit (withdraw) from the specific bank account and they must provide a bank letter confirming as well.
Why do I need to provide a bank letter?
Even after your bank removes the restriction, the NACHA Operating Rules require PayJunction to obtain written confirmation from the bank before ACH activity can resume.
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.
The bank letter must include (at a minimum):
- 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
This confirmation is required before we can resume ACH debits and credits on the account
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 us through the ACH network that future debits are not authorized. Before we can submit another ACH debit, your bank must remove that restriction and provide written confirmation 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 follow the rules and comply with the authorization confirmation requirements before attempting another debit.
My bank says they already removed the restriction. Why isn’t the issue resolved?
Removing the restriction is only the first step. Under the NACHA Operating Rules, PayJunction must also receive written confirmation from your bank before ACH debits and credits can resume.
What happens after I submit my bank letter?
Once we receive your bank letter, we'll review it and forward to TSYS for processing.
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.