ACH Error Resolution: Unauthorized, Authorization Revoked, or Stop Payment?

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Your financial institution deals with ACH challenges every day, but is your staff prepared to deal with all situations? This session will take a deep dive into exception handling, focusing on how to properly use the return reason codes to serve your accountholders. Each code will be covered, including its proper use, how long the RDFI has to act on the return, and required documentation. Learn how to handle stop payments, revoked authorizations, and unauthorized transactions. Financial institutions can suffer losses when ACH exceptions are improperly handled. This webinar will address how to handle these challenges in compliance with the NACHA Rules by using case studies and scenarios, so your staff can respond knowledgeably when faced with ACH errors.


  • ACH return reasons and timeframes
  • Authorization-based returns
  • Proper usage of the WSUD form
  • ACH operator rejects
  • Stop payment versus revoked authorization or unauthorized transaction


  • Sample WSUD form
  • Sample authorization form
  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key


This informative session is ideal for ACH operations staff, AAP candidates, compliance officers, and ACH auditors.


Michele Barlow is the Vice President at PAR/WACHA (The Premier Payments Resource), headquartered in Wisconsin. Before joining the WACHA team in 2009, Michele spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Michele is a member of NACHA’s Blue Ribbon Panel, the APRP Oversight Panel, and the Payments Institute Board of Regents. She is active on other national committees and a frequent speaker at industry events. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Michele holds a Bachelor’s from the University of Wisconsin.

Originally recorded on May 24, 2018.

Recorded webinar link is available until November 30, 2018.

Free Digital Copy included with purchase to download and view beyond link expiration date.

Price includes sales tax.