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When a Customer Blocks a Re-Presented Check Payment
ACH makes it much easier for businesses to recover bounced checks through a process called RCK (Re-Presented Check Entries). Instead of physically redepositing a returned check, businesses can electronically submit the check again through the ACH network, saving time and effort.
But what happens if the customer places a stop payment order on the original check?
That’s when you’ll see ACH Return Code R52.
Let’s break down what R52 – Stop Payment on Item Related to RCK Entry means, why it happens, and what your next steps should be if it comes up.
What Does ACH Return Code R52 Mean?
ACH Return Code R52 stands for:
“Stop Payment on Item Related to RCK Entry.”
According to NACHA’s official definition:
R52 – Stop Payment on Item Related to RCK Entry: The RDFI (Receiving Depository Financial Institution) is returning the RCK entry because the customer placed a stop payment order on the original check that the RCK was created from.
In simple terms: the customer instructed their bank not to pay the original paper check—and that stop payment request also applies to any electronic attempts to re-present the check through ACH.
What Happens When a Stop Payment Is in Place?
When a customer places a stop payment order on a check, they are legally telling their bank not to honor that check under any circumstances—whether it’s presented on paper or electronically through an RCK entry.
Even if the check originally bounced because of insufficient funds, a stop payment blocks any future collection efforts tied to that item through the banking system.
Why Would an R52 Return Happen?
There are a few common reasons why a customer might place a stop payment order on a check:
They changed their mind about the purchase or service
They’re disputing the transaction with the business
The check was lost, stolen, or written incorrectly
They believe the check was unauthorized or fraudulent
They want to resolve the issue through another payment method
Whatever the reason, once a stop payment is placed, the ACH network is required to reject any RCK entries related to that check.
How to Handle ACH Return Code R52
Here’s what to do if you receive an R52 return:
1. Confirm the Stop Payment
Recognize that the stop payment applies to the original check and all re-presented entries tied to it. You cannot attempt to collect that particular check again through RCK.
2. Contact the Customer
Reach out to the customer to discuss the situation. You can:
Ask why the stop payment was issued
Attempt to resolve any disputes or concerns
Offer alternative ways for them to settle the outstanding balance (new check, ACH debit authorization, credit card, etc.)
3. Request a New Payment (If Appropriate)
If the customer agrees, you can arrange for a different form of payment to cover the original obligation.
4. Document the Interaction
Make sure you keep clear records of the returned RCK entry, customer communication, and any resolutions or payment arrangements made.
How to Avoid R52 ACH Returns in the Future
While you can’t always prevent customers from issuing stop payments, you can reduce the chances with a few best practices:
Communicate payment policies clearly when accepting checks
Provide clear contact information so customers can easily reach you if there’s an issue
Follow up quickly after a bounced check to resolve problems before they escalate to stop payments
Offer multiple payment options to make it easier for customers to correct failed payments without conflict
Work with a knowledgeable ACH processor that can alert you quickly when an RCK return like R52 occurs
A prompt, professional response often keeps the situation from becoming a bigger problem.
Get ACH Payment Processing with Durango merchant Services
ACH Return Code R52—“Stop Payment on Item Related to RCK Entry”—means the customer placed a legal block on the original check, preventing you from collecting payment through electronic re-presentment. While it can be frustrating, it’s important to respect the stop payment and work directly with the customer to find another solution.
At Durango Merchant Services, we help businesses manage check recovery, ACH processing, and customer payment challenges with smart tools and experienced support—whether you’re handling the occasional NSF check or running a high-volume billing operation.
