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• Incorrect or outdated banking information: Mismatches between submitted account information and ODFI validation criteria.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.

  • Confirm their account details are accurate and valid.

• Internally:

  • Review transaction and account logs for possible discrepancies.

  • Avoid retrying the same transaction until the underlying issue is resolved with the bank.