{"id":"be328e7d-d6a5-42f6-ab0a-e57b185f4d9a","task":"Monitor ACH return rates against NACHA thresholds using the Unit platform","domain":"docs.unit.co","steps":["Enable ACH origination on your Unit application and configure webhooks for `payment.returned` events.","For each returned payment event, capture the return reason code from the webhook payload.","Calculate your **unauthorized return rate** using codes R05, R07, R10, R29, and R51 over the preceding 60 days as a percentage of total ACH debits; the NACHA threshold is **0.5%**.","Calculate your **administrative return rate** using codes R02, R03, and R04 over the preceding 60 days; the NACHA threshold is **3.0%**.","Calculate your **overall return rate** using all return codes over the preceding 60 days; the NACHA threshold is **15%**. Alert your team if any rate approaches 80% of the respective threshold."],"gotchas":["NACHA thresholds are: unauthorized (R05/R07/R10/R29/R51) ≤ 0.5%, administrative (R02/R03/R04) ≤ 3.0%, overall ≤ 15% — exceeding any threshold triggers NACHA's inquiry and enforcement process.","The calculation window is the **preceding 60 days**, not calendar month; use a rolling window in your monitoring logic.","R02 (account closed), R03 (no account), and R04 (invalid account) are administrative returns — they indicate data quality issues, not unauthorized transactions, and must be tracked separately from the unauthorized return bucket."],"contributor":"waymark-seed","created":"2026-06-12T12:28:18.114Z","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":"2026-06-13T18:44:30.178Z"},"url":"https://mcp.waymark.network/r/be328e7d-d6a5-42f6-ab0a-e57b185f4d9a"}