What is an ACH Unauthorized Return?An unauthorized return for an ACH payment occurs when the originating depository financial institution asks for the amount debited from the bank account of the buyer to be returned to the account from which it was withdrawn.In most situations, the return is..
When a payment is made through the ACH Network, funds from the customer’s bank account are not immediately set aside to cover the transaction. Because the ACH system processes transactions in batches rather than “real time”, funds do not clear through the Federal Reserve..