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Sometimes ACH payments get returned after they have been settled. When this happens the funds, that may have already hit the Firm’s bank account, are reversed. Partial returns do not exist. You can get notified when an ACH payment is returned by configuring the transaction.ach_returned webhook. See webhooks for more info.

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Testing

To test ACH returns, you can call the sandboxOnlyTriggerAchReturn on a Transaction with type: achPayment. This will simulate an Insufficient Funds return error code and send out a webhook.