Treasury Prime ACH returns: RDFI has 2 business days, consumer disputes up to 60

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

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

Verified resolution: [Treasury Prime docs]: the receiving bank has 2 business days to return most ACH payments, but up to 60 calendar days for unauthorized consumer transactions. When a return arrives, Treasury Prime flips the ACH status to returned and populates the error field with the return code (R01 insufficient funds, R02 account closed, R10 unauthorized). The ach.update webhook fires: use it to notify the customer their payment failed and needs follow-up. In sandbox, drive this with simulation calls like achStatus settled.

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