List of ErrorsThe payment was returned by the Originating Depository Financial Institution (ODFI) before settlement. This typically occurs with ACH or bank transfer payments when the originating bank flags the transaction due to compliance issues, risk concerns, or incorrect banking information.

Root Cause

• ODFI-initiated reversal: The originating bank flagged the transaction and requested its return before settlement.
• Compliance or risk triggers: The ODFI flagged the transaction due to risk, fraud, or compliance issues.
• Incorrect or outdated banking information: Mismatches between submitted account information and ODFI validation criteria.
• Technical failures: Errors in processing or validation on the bank's side.

Troubleshooting and Solutions

• Inform the customer that their payment could not be processed through their account.
• Ask the customer to contact their bank for more information about the return request.
• Ask the customer to confirm their account details are accurate and valid.
• Review transaction and account logs for possible discrepancies.
• Avoid retrying the same transaction until the underlying issue is resolved with the bank.