## TL;DR

The ach.update webhook fires: use it to notify the customer their payment failed and needs follow-up. The receiving bank has 2 business days to return most ACH payments, but up to 60 calendar days for unauthorized consumer transactions.

## Fix

1. The ach.update webhook fires: use it to notify the customer their payment failed and needs follow-up.
   Expected: You get the expected result; the problem is gone.

## When to use

- You are setting up or using this Treasury Prime ACH returns feature.
- The symptom matches: RDFI has 2 business days, consumer disputes up to 60.

## When NOT to use

- Unrelated Treasury Prime ACH returns issues (different feature, different failure).
- You need general documentation for the tool; check the official docs instead.

## Compatibility

Reported against Treasury Prime ACH returns. Source: https://docs.treasuryprime.com/docs/ach-returns.

## Variant phrasings

### RDFI has 2 business days, consumer disputes up to 60

## Why it happens

A settled ACH can still come back. Know the return windows.

## Edge cases

- If your error message differs even slightly, this is probably a different issue; search the exact text.
- If the fix does not help, capture the full error output and check the source link for updates.

## Source

https://docs.treasuryprime.com/docs/ach-returns