In the event that an item is returned, you will know about it as soon as it happens. The transaction will be marked as returned and will display it with a returned status on your History tab. To view only returned transactions click the ACH Returns Tab on the History page.

To get your money for the transaction, we suggest that you:

1. Contact your client to make sure they know that the item returned.

2. You may send a payment request to your client so that they can make their payment.

Rules for ACH in Regard to Returns.

The National Automated Clearing House Association (Nacha) sets specific thresholds for ACH (Automated Clearing House) return rates to maintain the integrity and efficiency of electronic payments as follows:

Unauthorized Return Rate: This pertains to debit entries returned due to unauthorized transactions, including return reason codes R05, R07, R10, R11, and R29. Nacha has established a threshold of 0.5% for unauthorized returns. This means that the number of unauthorized debit returns should not exceed 0.5% of the total debit entries originated over the preceding 60 days or two calendar months

Administrative Return Rate: This category includes returns resulting from administrative errors, such as account closures or invalid account numbers, corresponding to return reason codes R02, R03, and R04. The threshold for administrative returns is set at 3%. Therefore, administrative debit returns should not surpass 3% of the total debit entries originated in the same 60-day period

Overall Return Rate: This encompasses all debit returns, regardless of the reason. Nacha has established an overall return rate threshold of 15%. This indicates that the total number of debit returns should not exceed 15% of the total debit entries originated during the preceding 60 days or two calendar months

We use these rules to guide us when making decisions about accounts that are having excessive returns.

What Does My ACH Return Code Mean?