When an ACH transaction is approved as successful, it shows up in our system. SAGE sends a report to the requested merchant, which shows when transactions change from approved to a different response.
The different responses that they can be changed to are seen below:
- Any transaction that is returned, is unpaid.
- An NSF Return is a return whose reason for the return is Insufficient Funds.
Should you encounter the an issue with #2, it means that we have attempted a transaction twice to the consumer account, that is dependent on the return reason.
IE: Return for NSF would attempt twice, whereas return for Account Closed would not re-attempt.