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ACH return window can overlap the next rebill

How to run thisPayments3 steps
CalculatorACH return vs rebill overlap · Calculator lives in the articleOpen

ACH debits stay open for a return window. CRM can schedule the next MIT before that window closes. A return that posts after the next rebill already fired is a double hit on cash and CS. Type return-window days, next rebill day (from the debit day), and returns.

Pair: ACH return vs rebill overlap on Payments. Credit clocks: ACH return vs card refund. Auth clocks: auth / capture / settle.

What you type

Return-window days — how long this ACH class can still bounce after debit (processor writing, not a blog number).

Next rebill day — calendar day of the next CRM MIT counted from that debit day.

Returns — ACH returns you are matching to that debit cohort.

If rebill day ≤ return-window days, overlap returns = returns. Otherwise clear days = rebill day − return-window days. Push the next MIT past the window or hold the vault — do not invent a “normal” bounce %.

What not to do

Do not invent a universal NACHA day count. Do not treat card refund clocks as ACH return windows. Do not fire the next MIT while the prior debit is still open to return. Do not mix R01 / R10 piles without typing the count you mean.

Related: Payments, ACH return vs card refund, auth / capture / settle, retry window.

Procedure

  1. Type the written return-window days.
  2. Type next rebill day from the debit day.
  3. Type returns. Read overlap returns.

Failure modes

  • Inventing a universal NACHA day count.
  • Firing the next MIT while the prior debit is still open to return.
  • Treating card refund clocks as ACH return windows.

Worked example

None on this page yet. When one lands it will be a real case: what broke, the number, and what changed. Not a composite.

Glossary

Return/rebill overlap
Next MIT day falls inside the ACH return window on the prior debit. Returns can post after the next charge already fired.

Work with us — We run this job on your accounts. Services

FAQ

Is this ACH return vs card refund?
Related clock. [ACH return vs card refund](/manuals/ach-return-vs-card-refund) is credit shape. This page asks whether the next MIT fires inside the return window.
What return-window days should I type?
The window your processor / ODFI wrote for this debit class. Do not invent a universal NACHA day count.
Can I invent an overlap rate?
No. Type returns. Overlap returns equal that count when rebill day is inside the window.