Reconciling rejected ACH, EFT, PAP & Direct Debit transactions

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When an ACH, EFT, PAP, or Direct Debit transaction is rejected from the bank, the software automatically logs this for you by changing the payment method to “Account."

A non-sufficient funds (NSF) fee will not be automatically charged to your clients, but you can edit these settings to manually charge your client if you would like.


Rejected ACH, EFT, PAP & Direct Debit transactions

If a client’s ACH, PAP, or Direct Debit transaction is returned from the bank, the software will automatically change the payment method to “Account” and show a negative account balance for the client.

The failed payment will reflect on the sales reports, account balances reports, etc.

How can I see whose checks have bounced with ACH?

To see all clients with returned ACH, PAP, and Direct Debit Transactions:

  1. Log in as the owner (or someone with the right permissions).
  2. Go to Payment Processing > Merchant Account Transactions > Voided/Rejected Transactions.
  3. Change the drop down "All Credit Cards and ACH" to "ACH only" and click Generate.


  • If an ACH, PAP, or Direct Debit transaction is rejected for a service that was purchased, the service can still be used by the client unless you edit the pricing option. The only change will be that the client will have a negative account balance until they pay off the amount owed.
  • EFT (Paysafe Canada) transactions will be checked for up to 26 days for any rejects and they will be updated in your software accordingly. If you need a specific reason for a Paysafe EFT decline, log into Netbanx.
  • To see which clients have a negative account balance, go to Reports > Clients > Account Balances and generate a report. Click here to learn more about paying off account balances.


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