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class=\"nodeLabel\"><p>Funds are yours</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-741de5e68f9687caf5a1ed65801fa709fccb770fe3478b572683eb0e046f3261-flowchart-F-9\" data-look=\"classic\" transform=\"translate(970.9609375, 141.703125)\"><rect class=\"basic label-container\" style=\"\" x=\"-54.015625\" y=\"-27\" width=\"108.03125\" height=\"54\"></rect><g class=\"label\" style=\"\" transform=\"translate(-24.015625, -12)\"><rect></rect><foreignObject width=\"48.03125\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Return</p></span></div></foreignObject></g></g></g></g></g><defs><filter id=\"diagram-741de5e68f9687caf5a1ed65801fa709fccb770fe3478b572683eb0e046f3261-drop-shadow\" height=\"130%\" width=\"130%\"><feDropShadow dx=\"4\" dy=\"4\" stdDeviation=\"0\" flood-opacity=\"0.06\" 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F[Return]\n"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["So an approved ACH transaction is ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["provisional"]},". Do not treat it as final for anything expensive to reverse until returns have had time to arrive."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"sec-codes","__idx":2},"children":["SEC codes"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Every ACH entry carries a Standard Entry Class code declaring how the customer authorized it. It is a compliance statement, not a preference — send the one that matches what actually happened. 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A disputed debit is resolved by producing it."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"returns","__idx":3},"children":["Returns"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A return is NACHA's mechanism for rejecting an entry after the fact. 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Read them defensively."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["There are no webhooks, so finding returns means polling. See ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/docs/payments/accept-an-ach-payment"},"children":["Accept an ACH payment"]},"."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"direction","__idx":4},"children":["Direction"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["ACH runs both ways, and the gateway exposes both:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Debit"]}," — pull funds in. 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