Payments broken today
Payment failure? We find the cause and fix it.
Returns, rejected files, broken integrations, books that stopped adding up.
- Bank flags unauthorized returns0.82% over 60 days, limit 0.5%
- Returns read by codeMost are R10: customers don't recognize the debit
- Causes fixedDescriptor, authorization wording, validation on first use
- Rate watchedReported until it holds under the limit
Return rates
Return rates over Nacha's limits.
Unauthorized 0.5%, administrative 3%, overall 15%, measured over 60 days.
How ACH returns workUnauthorized0.31%limit 0.5%
Administrative1.2%limit 3%
Overall4.8%limit 15%
R10Authorization wording rewrittenR03Account validation on first useR01Retries capped at two
Under all three limits
Rejected files
ACH files rejected, stuck or sent twice.
Totals rebuilt, dates corrected, and a duplicate file reversed inside five banking days.
- Batch count4 of 4Matches
- Entry hash0089214410Rebuilt
- Effective dateSep 12Next window
File resubmittedAccepted by the bank
Reconciliation drift
Orders marked paid that never settled.
Failed payments found by comparing orders, processor settlements and bank deposits line by line.
Orders marked paid1,284
Settled by processor1,265
- 19 orders never settled$3,882.40Found
- Cause: status set before capturefixedRepaired
Broken integrations
Webhooks failing, orders stuck in pending.
Failures replayed in order, and the integration fixed so they stop.
Failed deliveries0
- Signature check used the wrong secretcauseFixed
- 38 events replayed in orderorders updatedDone
Straight answers
Before you book.
- Can you get us approved after a termination?
- No. Approval is your bank's or processor's decision. We fix what is in your control.
- What access do you need?
- Only what the repair needs, listed in writing before we start.
- Our bank flagged our return rate. Where do we start?
- With the returns by code. The code tells us what caused them.
- What does a repair cost?
- Every repair is scoped on the call, once we know what broke.
Payment rescue
Tell us what broke.
Thirty minutes with the people who will fix it.
