> ## Documentation Index
> Fetch the complete documentation index at: https://docs.treasuryprime.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Incoming ACH Returns

> The ACH Network supports the ability to return incoming ACH payments for a number of reasons. Commonly, returns are initiated because the payment cannot be completed due to reasons like unauthorized transactions, non-transaction accounts, or the originator not being known to the receiver.

Typically, the Receiving Depository Financial Institution (RDFI) has 1 business day from the effective date to issue a return for incoming ACH transfers. Treasury Prime supports returning incoming ACH transfers that were originated by third parties using the supported [return codes](#incoming-ach-return-codes) listed below.

## How to return an incoming ACH

<Info>
  Incoming ACH Returns availability varies by bank partner and requires bank approval. Contact your relationship manager to discuss availability and any associated costs.
</Info>

To return an incoming ACH transfer, use the [Update an Incoming ACH](/reference/patch_incoming_ach-id) endpoint. This feature must be enabled for your organization. If it is not enabled, contact the Support Team at [support@treasuryprime.com](mailto:support@treasuryprime.com) and include the transaction `id` associated with the incoming ACH, the reason the return is being requested, and any other relevant information.

A successful return results in an additional transaction being posted to the account to reverse the original transaction.

<Warning>
  Incoming ACH transfers can only be returned if the effective date is within the configured return window (defaults to 1 business day, configurable via API). Returns requested outside this window are rejected.
</Warning>

## Incoming ACH return codes

Treasury Prime supports the following return codes for incoming ACH transfers:

| Code | Reason                                               | Description                                                                                                                                                                                                        |
| ---- | ---------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| R29  | Corporate customer advises not authorized            | RDFI has been notified by business account holder that a specific transaction is unauthorized.                                                                                                                     |
| R10  | Originator not known to / not authorized by Receiver | The RDFI has been notified by the recipient that the recipient does not know the identity of the originator, has no relationship with the originator, or has not authorized the originator to debit their account. |
| R20  | Non-transaction Account                              | Policies or regulations (such as Regulation D) prohibit or limit activity to the receiving account based on its type.                                                                                              |

## Example request to return an incoming ACH

<CodeGroup>
  ```bash bash theme={null}
  curl -X PATCH \
    -u $API_KEY_ID:$API_KEY_VALUE \
    {% api-endpoint /%}/incoming_ach/inach_11jdq4073ea9k \
    -H 'Content-Type: application/json' \
    -d '{
      "status": "return",
      "return_code": "R29",
      "description": "Returned as unauthorized"
    }'
  ```
</CodeGroup>

## Example response for returned incoming ACH

<CodeGroup>
  ```bash bash theme={null}
  {
    "id": "inach_11jdq4073ea9k",
    "account_id": "acct_11jbx6ve3c8an",
    "account_number": "1371971315",
    "account_type": "checking",
    "amount": "100.00",
    "bank_id": "bank_treasuryprime",
    "company_desc": null,
    "company_id": "000000000",
    "company_name": "Prime of Treasury Inc.",
    "created_at": "2023-08-15T14:47:35Z",
    "description": "Returned as unauthorized",
    "direction": "credit",
    "effective_date": "2023-08-15",
    "status": "returned",
    "return_code": "R29"
  }
  ```
</CodeGroup>

## Transactions for returned incoming ACH transfers

An incoming ACH return results in the reversal of any funds movement that occurred from the original incoming ACH. For incoming ACH credits that resulted in a deposit, a corresponding withdrawal is made. For incoming ACH debits that resulted in a withdrawal, a deposit is made to reverse the transaction. These updates to the account balance result in the `account.update` webhook firing.