ACH Return Reporting Process

The quality of our data is as important to us as it is to you. We are continuously reviewing the success of our connections and the data that is returned from them to ensure you have the best product experience. 

When it comes to enabling our verification products so you can move money, the validity of our data is even more important. Inaccurate or incomplete data used for verification purposes can lead to ACH Returns. 


To continue to improve our data validation and quality, we need you, our partners and clients, to inform us of ACH activity and performance. Because we do not process payments or move money, we aren’t able to capture this data independently. We ask that you report ACH returns directly to us using a form that has been provided in  Zendesk. This will help us analyze those returns and improve the processes we use to validate data in the future. 

To report an ACH Return:

  1. Navigate to
  2. In the Standards Request section, select ACH Returns Investigation
  3. On this page we ask that you provide as much detail as you can about the ACH return you experienced. The more information you provide, the better our analysts can evaluate the return. 

Note: If you're reporting multiple ACH returns, we've provided a template in a .csv file to help you get started. You can download it at the bottom of this page. 


Field Description
CC Use this field to copy anyone specific you want to be aware of this report. You may add your coworkers or your MX representative. 
Organization The name of your company.
Subject  Briefly describe the return. We encourage you to include the Institution Name and the Return Code. 
Single or Bulk ACH investigation Are you reporting one return code or multiple?
Verification Date The date on which the verification that provided data that resulted in a return occurred. 
Transfer/Effective Entry Date The date on which the transfer of funds or effective entry date occurred. 
Return Reason Code  The ACH return code you experienced. 
Client GUID The unique identifier for the client in which the verification was for. 
User GUID The unique identifier for the user that experienced the ACH return from the verification. 
Member GUID The unique identifier for the member that experienced the ACH return from the verification. 
Institution Name The name of the institution that received the ACH return code. 
Transaction Amount  The amount of the transaction. Although all transaction amounts are important to your customers, this helps us track the impact of our data validation.
SEC/Standard Entry Class Code The SEC code. The SEC code is a three letter code that describes how a payment was authorized by the consumer or business receiving an ACH transaction.
Account GUID The unique identifier for the account that was verified that is associated with the ACH return. 
Description You can also describe the return or the scenario in which the return occurred to give us more information for investigation and future data validation. 
Attachments Add any attachments such as screenshots or if you're reporting multiple returns attach the included .csv template. 

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