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When the Company Information Doesn’t Match
ACH payments aren’t just about numbers and amounts—they also rely heavily on company identification. This information tells the receiving bank and the customer who is sending the payment. If that identification is wrong or doesn’t match the expected details, the payment can be rejected.
That’s when ACH Return Code R66 comes into the picture.
Let’s walk through what R66 – Incorrect Company Identification means, what causes it, and how to fix it if you run into it.
What Does ACH Return Code R66 Mean?
ACH Return Code R66 stands for:
“Incorrect Company Identification.”
Here’s the NACHA definition:
R66 – Incorrect Company Identification: The company identification information in the ACH entry does not match the records held by the Receiving Depository Financial Institution (RDFI).
In simpler terms: the business name or ID associated with the payment was wrong or didn’t match what the bank was expecting, so the transaction couldn’t be completed.
Why Would an R66 Return Happen?
Several issues can cause an R66 return, including:
The company ID number in the ACH file was entered incorrectly
The company name provided doesn’t match the account’s registered information
Changes to a company’s name or structure weren’t updated with the customer’s bank
Manual data entry errors during ACH setup
Incorrect setup in your ACH processing software
When the receiving bank can’t match the payment’s company information to what’s on file, they send it back with an R66 code.
How to Handle ACH Return Code R66
Here’s what to do if you receive an R66 return:
1. Review the Company Identification Submitted
Look closely at the company name and ID in the ACH file. Compare it against your bank’s records and the account holder’s information.
2. Confirm the Correct Company Information
If needed, contact your customer or the bank to verify the correct company name or ID number associated with the account.
3. Update and Correct the ACH Entry
Fix any typos, outdated names, or incorrect ID numbers. Make sure the information exactly matches what the receiving bank expects.
4. Resubmit the Payment
After correcting the information, you can resubmit the payment properly.
How to Avoid R66 ACH Returns in the Future
Preventing R66 returns is all about careful setup and regular maintenance of your company information:
Double-check company identification details when setting up ACH payments
Keep your business name and ID records updated with your bank and ACH provider
Use ACH systems that validate company IDs before submission
Confirm account holder details during onboarding if you’re collecting payments from clients or vendors
Regularly review and update your ACH payment profiles to reflect any business changes
Accurate company identification helps your payments go through smoothly and prevents unnecessary returns.
Get ACH Payment Processing with Durango merchant Services
ACH Return Code R66—“Incorrect Company Identification”—means the receiving bank couldn’t match your company information to the account records, so the transaction was rejected. It’s a fixable error, but one that can delay payments if not addressed promptly.
At Durango Merchant Services, we specialize in helping businesses set up and manage ACH payments correctly—from making sure company details match to troubleshooting and preventing returns like R66. Whether you’re handling a few ACH payments a month or running high-volume billing, we’re here to help you do it right.
