Transaction Code: R09 Uncollected Funds

Transaction code R09 is a return from the bank for uncollected funds.

What does "uncollected funds" mean?

This means that funds are returned because sufficient funds in the account are not yet available for debit. This can happen when funds deposited into the account holder's bank are still pending (i.e. they don't show up as available funds yet).

For example, an employer deposits their employee's paycheck for $2,000 on Monday and the funds are expected to clear on Wednesday. This means, $2000 is pending on the user's account, but not yet available. Debits made from this account during this period would return R09 Uncollected Funds.

What to do?

You can try the transaction again (you will need to re-enter it as a new transaction) up to two times within 30 days of the original authorization date.


View our API docs for a full list of transaction codes.

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