ACH - Transaction Returns and NSF

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:

  1. Any transaction that is returned, is unpaid.
  2. 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.

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