R08 | Stop payment
This code indicates the RDFI returned the entry because a stop payment order applies to the transaction.
What This Code Means
R08 is returned when the receiving institution applies a stop payment order that prevents the debit from being posted. Stop payment orders are typically requested by the account holder and recorded by the bank to block certain transactions under defined conditions. In ACH, the RDFI may return an entry if it matches the stop payment parameters. This code reflects a bank-applied payment block rather than a funds availability issue. It does not automatically mean the debit was unauthorized; it means the bank recognized a stop payment instruction relevant to the entry.
Where Users Usually See This Code
- Returned ACH debits for recurring payments
- Billing system return codes indicating payment blocked
- Processor settlement reports listing stop payment returns
Why This Code Appears
- Receiver placed a stop payment order with their bank
- Stop payment parameters match the entry (originator, amount range, timing, or other identifiers)
- The bank applied a stop payment control to the account
- The debit is part of a pattern the receiver requested to block
What Typically Happens Next
- The entry is returned with R08
- The originator receives the return and the payment status becomes returned/blocked
- Additional attempts with similar characteristics may also be returned under the same stop payment control
What This Code Is Not
- It is not insufficient funds (see R01/R09)
- It is not an invalid or closed account (see R02/R03/R04)
- It is not necessarily a revocation of authorization (see R07)
Troubleshooting Checklist
- □ Review the return record and whether it aligns with a known customer request or status change
- □ Document the return as a payment block event for reconciliation
- □ Avoid assuming account closure or insufficient funds without supporting information
- □ Follow your official dispute and customer communication workflow if applicable
Notes And Edge Cases
Stop payment controls can be highly specific or broad depending on the bank’s implementation and the receiver’s instructions. Similar transactions may be treated differently if they do not match the stop payment parameters. Timing can matter: an entry may post successfully before a stop payment is placed, but be returned afterward. Some institutions may map customer instructions differently, so similar cases can appear as R07 or R10 instead.