How does closing a return work?
When NACHA returns an ACH payment, we email the merchant to let them know. If the merchant then collects payment another way, your integration can use our Close Return method to close the return so that it stops waiting on a re-presentment. If you want to try the payment again instead, use the Re-present Payment method.
You can’t close all types of return. For example, fatal returns, such as R02, can’t be re-presented, so our gateway automatically treats them as resolved. You also don’t need to close a return when the payment has already been re-presented.
One important distinction: it’s the paymentId of the return, not the paymentId of the original payment, that you use to close the return. You can find it in the returns array in the Retrieve Payment response.
What can you do with return closing?
- Close a return - Use the Close Return method to close a returned ACH payment without re-presenting it. If your request is successful, our gateway closes the return and includes information about the payment in the response.
- Find the return to close - Use the Retrieve Payment method to view the original payment, or use the filters in our List Payments method to search for it. The returns array in the response includes the paymentId, returnCode, and returnReason of each return, and shows whether it has been re-presented (represented) or closed (closed).
- Re-present a return instead - Use the Re-present Payment method to try the payment again. You can send updated bank account details in the request if the customer's details have changed.
Get started
New to taking ACH payments through our API? Start with our Run a sale with bank account details guide, then follow our Close an ACH payment guide to see the full flow.
Already handling returned ACH payments? Add a call to the Close Return method for any return that you won't re-present.
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