This repository was archived by the owner on Aug 26, 2022. It is now read-only.
This repository was archived by the owner on Aug 26, 2022. It is now read-only.
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Description
PayGate Version: v0.9.0-dev
What were you trying to do?
When running PayGate according to NACHA rules there needs to be monitoring on returned entries in order to stay within the NACHA guidelines. Violations can cause suspension of an ACH subscription into the network.
What did you expect to see?
Our documentation and guides should offer production grade alerting.
What did you see?
The Dwolla blog has a good summary on these return ratios. They're pulled from the NACHA guidelines as well.
- Administrative Returns must stay below three percent. This percentage is calculated based on ACH debit returns for the preceding 60 days on the following return reason codes:
R02,R03andR04. - Unauthorized Returns must stay below 0.5 percent. This percentage is calculated based on ACH debit returns for the preceding 60 days on the following return reason codes:
R05,R07,R10,R29andR51. - Overall Returns must stay below 15 percent. This percentage is calculated based on ACH debit returns for the preceding 60 days and includes all return reason codes.
- NSF Returns have no specific threshold by themselves; however, these returns contribute to the Overall Return rate (see above) and make up the largest number of returns, by volume. NSF Returns include
R01andR09.