As someone who has worked on integrating with BACS (UK version of ACH) they have the have the same code. https://gocardless.com/direct-debit/receiving-messages

As someone who has worked on integrating with BACS (UK version of ACH) they have the have the same code. https://gocardless.com/direct-debit/receiving-messages/#auddis-messages https://gocardless.com/direct-debit/receiving-messages/#audd... "2 Payer deceased You have attempted to set up a DDI on the account of someone who is deceased. Extremely rare."