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This article gives an overview of how to proceed when an ACH E- code (Expedited Processor Return) triggers a flag on the account.
When an ACH transaction is rejected, it causes a return. Most returns are received two to three business days after the transaction was originated in the form of alphanumeric code.
Once Paya receives any return code besides R01 (insufficient funds) and R09 (Uncollected Funds) they will add a flag to the account and automatically cancel all future payments (incurring additional return fees) until that flag is removed. This flag will be enabled on any ACH account whether it be the gateway is billing the merchant's bank account or a merchant is billing their customer's bank account.
Flag on the merchant's bank account:
- The merchant should be advised to reach out to their bank to resolve the issue. The billing will show as Gateway Services Web Payment and the corporate ID for NMI is 3383693141.
- Once the merchant's bank issue has been resolved, firstname.lastname@example.org should be contacted to let us know it has been corrected and to request the flag be removed from the check processor.
- When the process is complete an email will be sent to the Affiliate confirming the flag has been lifted. At this time it is okay to resubmit the merchant's balance.
Flag on the merchant's customer bank account:
- The merchant will need to first reach out to their customer to resolve the issue, and then contact Paya at email@example.com or by calling 888-481-0757 to have the E- code/flag removed.