ACH Return Rate Monitor

Live. Keep ACH payment returns under the Nacha limits and know which returned payments you may retry.

Checks your ACH debit returns over the trailing 60 days against the Nacha thresholds: unauthorized returns 0.5% (R05, R07, R10, R11, R29, R51), administrative returns 3% (R02, R03, R04) and all debit returns 15%, and warns when a rate is within 80% of its limit. Flags revoked authorizations (R07) and stop payments (R08), WEB debits without first-use account validation, and returned-payment fees the agreement or state law does not allow (FDCPA 1692f(1)). Also checks each planned retry: R01 and R09 returns at most twice within 180 days of the original settlement date with RETRY PYMT in the entry description, other return codes only after a new authorization or a fix, and no fee added to the retry. Counts, codes and dates only. Not legal advice.

Price: $0.001 per record after 1,000 free per month.

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