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ACH return vs card chargeback — claim map
GuideACH return vs card chargeback — claim mapBack to article
ACH NACHA returns ≠ Visa/MC chargebacks. Filter the claim. Distinct from BNPL and Amazon A-to-z doors.
| Claim | Reality | Do | Do not |
|---|---|---|---|
| ACH return counts in VAMP / ECM | No. Those watch card disputes on the card MID | Track ACH returns on the ACH scorecard | Mix ACH returns into primary CB counts |
| Send a Visa 10.4 pack for an ACH return | No. Wrong network. Use the ACH return reason path | Processor ACH dispute / return procedure | Paste card evidence into ACH |
| ACH NSF is the same as card NSF dunning | Related idea, different rail and clocks | Name ACH vs card before picking a calendar | Run Ethoca hours on an ACH bounce |
| Every bank debit is a chargeback | No. ACH returns, fees, and card CBs are different messages | Classify the rail before you staff the queue | One helpdesk macro for all bank pulls |
| This map is BNPL ownership | No. BNPL is provider claim doors. This map is ACH vs card | N/A — open bnpl-chargeback-ownership for BNPL | Paste Klarna rules onto ACH |
| Industry good ACH return rate is X% | No. We invent no percent. Type your own extract | Your ACH return count over ACH attempts | Invent a return-rate chip |
Filter the claim. ACH returns are a different rail from card chargebacks. Wrong evidence wastes the clock. Card ratio programs are not the ACH scorecard.
Pairing procedure: An ACH return is not a card chargeback. Topic: Chargebacks.
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