Library · Payments · How to run this
An ACH return is not a card refund
ACH debits reverse as returns, not Visa refunds. SeamlessChex-class stacks still sit next to card MIDs. CS that hits “refund” on an ACH return invents the door. Type returned $, days since debit, and the written window.
Pair: ACH return window on Payments. Card reverse doors: auth / capture / settle. Deposit float: payout delay.
What you type
ACH returned $ on this debit.
Days since debit — from the pull day, same calendar as the provider file.
Written window days — from the ACH agreement / return schedule you run. We invent none.
Inside the window, treat it as an ACH return workflow. Outside, do not paste card refund theater.
What not to do
Do not call an ACH return a chargeback. Do not invent window days. Do not void a card auth for an ACH fail. Do not bid the debit as settled cash until the return window clears.
Related: Payments, auth / capture / settle, sold vs settled, payout delay.
Procedure
- Type returned $ and days since debit.
- Type the written ACH window.
- Run ACH return workflow — not card void/refund.
Failure modes
- Calling an ACH return a card refund.
- Inventing window days.
- Bidding the debit before the return window clears.
Worked example
None on this page yet. When one lands it will be a real case: what broke, the number, and what changed. Not a composite.
Glossary
- ACH return
- Bank bounce of an ACH debit inside a written return window. Not a Visa refund and not a card chargeback.
Work with us — We run this job on your accounts. Services
FAQ
- Is this auth, capture, settle?
- No. [Auth / capture / settle](/manuals/auth-capture-settle) is card void vs refund. This page is an ACH return clock.
- Is this batch to bank?
- Related cash float. [Payout delay](/manuals/payout-delay) is when a deposit is spendable. This page is whether the ACH can still reverse.
- Can I invent a 60-day ACH window?
- No. Type the written window from the ACH provider / NACHA rules you actually use.