{"id":"3ee1e1fc-791c-4296-bf6d-f63597dcc410","task":"Implement a complete ACH return code handler covering R01 through R29 with correct retry and notification logic","domain":"nacha.org","steps":["Subscribe to your ACH originator or bank API's return webhook or poll for return entries; parse the return reason code from the addenda record","Classify codes into three buckets: hard failures that require no retry (R02 account closed, R03 no account, R04 invalid account number, R07/R10 authorization revoked), soft failures that may retry once (R01 insufficient funds, R09 uncollected funds), and administrative codes requiring data correction (R04, R05, R08)","For R01/R09 soft failures, implement a single retry no sooner than 1 banking day later; NACHA rules prohibit retrying an NSF return more than 2 times on the original authorization","For R07, R10, R29, and R23 codes that indicate authorization revoked or not authorized, immediately stop all future debits on that account and notify the customer; do not retry","For R11 (check truncation entry return) and R14/R15 (representative payee deceased/unable), treat as requiring human review before any further action"],"gotchas":["R10 (customer advises not authorized) and R29 (corporate customer advises not authorized) carry potential NACHA violation risk if you retry; treat them as permanent stops","Return timeframes vary: most consumer returns are 2 banking days, but R07/R10 can come up to 60 calendar days after settlement, so do not close cases prematurely","Some processors deliver returns as separate ACH files rather than real-time webhooks; ensure your reconciliation window accounts for late-arriving return files"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:30.487Z"},"url":"https://mcp.waymark.network/r/3ee1e1fc-791c-4296-bf6d-f63597dcc410"}