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Full Description

X9.100-188-2016 lists the Return Reason codes for both Customer and Administrative Returns for image exchange and IRD creation within the U.S. Payments System. It includes the Short Name and Overlay Abbreviation required for an IRD creation. The standard establishes the process to add, change or delete a Return Reason code. It is up to each individual financial institution to determine what Return Reason code they will use when returning a check. The standard also includes guidance for the proper use of Return Reason codes.

Document History

  1. X9 X9.100-188-2018

    Financial Services - Return Reasons for Check Image Exchange and IRDs

    • Most Recent
  2. X9 X9.100-188-2016


    Specifications for Electronic Exchange of Check and Image Data - Domestic

    • Historical Version