Importing ACH Return files

 

Importing ACH Return files enables you to track the returned transactions, and if you choose - it will also allow you to resubmit the transactions.

 

Note: When ACH Return files are imported, the transactions are saved into a separate 'Returns' table.  The records are placed into this table where they await your action.  No action occurs during the import process, other than populating this table.

 

Form the main menu select Return Files >

 

 

 

 

Note: If you are unable to view the menu selection above, you do not have the Corporate or Processor edition.  Please upgrade your ACH Universal edition to use this feature.

 

 

This will start the import wizard.

Select the file and complete the wizard as you normally would.

 

 

Return Reports

From the main menu, select Reports, then run the 'ACH Return Files - All Records' report by selecting it from the drop down box in the upper left.  Your report will look similar to:

 

 

 

Returns fall into one of two categories:

1. Eligible for resubmission (have a return code of R01 - Insufficient funds)

2. Ineligible for resubmission (have any other code)

 

If a record has been returned for Insufficient funds, you may resubmit the transaction.

However, if a record has been returned for any other code - it is not eligible to be resubmitted.

 

The logic is that if the account is closed, or there is a wrong ABA number - or any other reason (other than ISF), resubmitting the transaction will still result in the transaction being returned.

 

 

 

 

Resubmitting transactions returned as Insufficient Funds (R01)

Select the transaction(s) and then click Resend.

 

These records will be placed into the Untransmitted ACH records holding queue - along with any other untransmitted records that you may have.

 

When the record is eventually transmitted, the status is updated from 'Untransmitted' to 'Sent' with a resubmitted date.