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.
If a hold is placed on a bank account as a result of a return, you will need to reach out to support to resolve the hold. The returns are separated into three categories: NSF, BAD ACCOUNT, AND UNAUTHORIZED. A separate action is taken per category.
NSF: The system will not place a hold. Future transactions are permitted.
BAD ACCOUNT: A block is placed on the account. The merchant will need to provide a new bank account
UNAUTHORIZED: A block is placed on the account. A letter needs to be provided to support indicating that the reason for the return no longer applies.