---
title: "ACH Return Code R29: Unauthorized Transaction - Payhawk Help Center"
slug: "resolving-ach-return-code-r29-unauthorized-transaction"
description: "Find out what ACH return code R29 means, why your bank returned your ACH debit as unauthorized, and how to contact Payhawk Support about bank authorizations."
updated: 2026-03-04T12:20:54Z
published: 2026-03-04T12:20:54Z
canonical: "payhawk.com/resolving-ach-return-code-r29-unauthorized-transaction"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://payhawk.com/help/llms.txt
> Use this file to discover all available pages before exploring further.

# Resolving ACH Return Code R29: Unauthorized Transaction

Your bank returned your recent ACH debit with a return code R29, which means the transaction was not authorized. This issue typically occurs when your bank requires specific permissions from certain originators for ACH transactions.

For further clarification, contact Payhawk Support via chat or at [support@payhawk.com](mailto:support@payhawk.com).

> [!TIP]
> Processing times for bank authorizations may vary depending on your financial institution.