ACH code R77 refers to a return entry related to an incorrect Individual ID number. This means that the identification number of the individual supposed to receive the ACH transfer needs to be updated or validated.
This return code is often used when the account number is correct, but the identification number is wrong, such as a Social Security number or Taxpayer Identification Number. The ACH network requires accurate account holder identification, and incorrect identification numbers can cause delays and errors in electronic payment processing.
If you receive an ACH code R77, you should contact the sender of the payment and provide them with the correct identification number to ensure that future payments are processed correctly.