Versions Compared

Old Version 21

changes.mady.by.user Miles Graves

Saved on

compared with

New Version 22

changes.mady.by.user Miles Graves

Saved on

Key

  • This line was added.
  • This line was removed.
  • Formatting was changed.

When an eCheck transaction or a disbursement is processed in Payrix, this will be sent out as an ACH transaction. In the event that this transaction/disbursement is returned by the receiving bank, the system may trigger an automated hold based on the response received.

Note

Due to NACHA regulations, Payrix Support is unable to lift blocks without bank letter consent for both debits and credits if your first attempt to whitelist is unsuccessful.

How to find Disbursement Reject and Return Codes

...

A separate action is taken per category:

Return Category

Description

Action Steps

NSF

The system will not place a hold. Future transactions are permitted.

N/A

BAD ACCOUNT

A block is placed on the account.

Note

Due to this reject category type, the block can’t be removed.

If there is an exception the block will take up to an additional 2 business days to lift outside the initial Support Ticket submission

Info

A bad account reject will typically happen because the banking information on file is not correct. It is best practice to validate that the correct banking information is on file prior to submitting a ticket. If the banking information is deemed incorrect, changing the bank account to the correct information will be an immediate release of the hold.

Note: All bank changes may trigger an additional risk hold review.

The Merchant will need to provide:

  1. Proof of banking information that matches the banking information on file.

  2. A letter from their issuing bank that validates that the bank account no longer falls under the reject category that we received.

UNAUTHORIZED

A block is placed on this merchants ability to utilize this bank account for debits or credits.

This block can be lifted after Payrix has received proper approvals to debit or credit the bank account

The Merchant will need to:

  1. Request that their issuing bank whitelists WorldPay Funding IDs (shown below).

  2. A request for a letter from their issuing bank to Payrix Support authorizing Payrix to credit and debit the account.

Tip

Worldpay Funding IDs

Send the following funding IDs to your bank in order to have whitelist disbursements (ACH Payouts) to your account:

  • 1310281170 (Fifth Third Bank-Direct)

  • 1043575881

Note
Due to NACHA regulations, Payrix Support is unable to lift blocks without bank letter consent for both debits and credits if your first attempt to whitelist is unsuccessful.