About ACH Corrections

This article provides information about how the system responds when ACH corrections occur.

ACH corrections and rejections are processed daily. Unlike a rejection, a correction involves an issue that the system can fix so the money can continue to transfer. When correction information comes back from Paya informing OSV about the issue and what the correct value should be, the correction is then made within the OSV system. The donor does not receive an email about the payment issue like they would with a rejection.  

A common correction scenario involves a donor indicating an account is a savings account when it is actually a checking account. The payment would go though, and when Paya's information is received, the OSV system would re-assign the account correctly. This correction would cause the organization to incur a fee, but going forward, any other gifts that would process with this payment method would do so correctly, without a fee, because the issue was corrected.

Because the payment went through, typical reports will not indicate any correction activity. The user can run an ACH Rejection and Correction report to view the ACH accounts that have been corrected during a specific time frame. You can also look at the details of a specific transaction for any notes about a correction.

Note* The only time a corrected payment method might actually get suspended is if OSV does not receive any information back from Paya about it and it could cause recurring fees for the organization. When a payment method is suspended, it triggers an email to the donor explaining that their payment method has been suspended. The donor is responsible for correcting the payment method with the organization before the payment will be able to be processed again. No associated gift payment or transaction will process again with that payment method until the donor corrects or changes the payment method.

Check this out for more information about ACH rejections.



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