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Blocked Accounts

What are they?

Blocked accounts are bank accounts that have been automatically restricted by Profituity’s system after certain types of failed ACH transactions. When a payment is returned for specific return codes (see table below), Profituity will block all future activity for that routing and account number. This safeguard ensures compliance with NACHA rules, which prohibit further debits to an account that has been returned for certain reasons unless corrective steps are taken.

If a merchant attempts to send a payment to a blocked account, the transaction will be rejected with a status of “Rejected” and a reject reason of “Blocked Account.” These payments never reach the bank.

The block is linked to the routing and account number, not the customer's name. If your customer provides new banking information, simply update it in your software—no further action with Profituity is needed.


How to Unblock an Account

To request removal of a block, the merchant must confirm that the required corrective action has been taken by emailing support.dept@profituity.com. The action required depends on the original return reason:

Return Code

Reason

Required Action

R02

Account Closed

Obtain confirmation from the customer that the account has been reopened.

R03 / R04

No Account / Invalid Account Number

Obtain a voided check or bank letter verifying the correct bank account information.

NOTE: Customer must provide corrective bank account information. Merchant does NOT need to contact Profituity as they will just need to update their software with the corrected information.

R07 / R08 / R05 / R10 / R29

Authorization Revoked / Payment Stopped / Unauthorized

Obtain new authorization from the customer.

R16

Account Frozen

Get documentation from the customer confirming the account is active and in good standing.

Additional Resources

Nacha Return Codes Explained

Payment Statuses

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