Exploring Dispute Rules Content Pack for Nacha
Learn how the Dispute Rules Content Pack for Nacha application helps ensure that your organization can properly categorize and process automated clearing house (ACH) disputes.
Dispute Rules Content Pack for Nacha overview
Nacha, originally known as the National Automated Clearinghouse Association, is the steward of the ACH network in the United States. It governs the rules and standards for electronic ACH payments, including how disputes and return transactions must be handled by financial institutions.
The Dispute Rules Content Pack for Nacha application enables your agents to access Nacha operating guidelines to check the eligibility of disputed ACH transactions. It provides a central reference for ACH return reason codes and the logic used to determine them based on the operating guidelines.
Dispute Rules Content Pack for Nacha includes 10 reason codes and the predefined logic to determine if the codes apply to a disputed transaction. See Dispute Reason Codes for more information.
Dispute Rules Content Pack for Nacha users
| User | Description |
|---|---|
| Dispute Agents, Customers | After filling out the dispute questionnaire, a dispute agent or customer can capture the correct dispute category and reason code for an ACH transaction dispute, in accordance with Nacha guidelines for filing a chargeback. |
Dispute Rules Content Pack for Nacha workflow
The following infographic shows the workflow for submitting an ACH dispute with Dispute Rules Content Pack for Nacha.
- The agent initiates a dispute case in Financial Services Workspace, or the customer initiates a case in the service portal.
- The user selects the financial account and disputed transaction(s).
- After the user completes the dispute questionnaire, the decision tables, rules, and flows/actions in Dispute Rules Content Pack for Nacha help to determine the dispute category and dispute reason based on the Nacha guidelines.
- The user uploads supporting documentation as required.
- The user finally agrees to the submission disclaimer and submits the dispute.
Dispute Rules Content Pack for Nacha benefits
Key benefits of using the Dispute Rules Content Pack for Nacha include:
- Disputes are effectively managed and resolved by the agents.
- Dispute cases are thoroughly reviewed and analyzed for optimal outcomes.
- Nacha operating guidelines are accurately applied by the agents.
- Collaborative efforts with customers ensure that the required documentation is completed, including Written Statement of Unauthorized Debit (WSUD).
- Disputes are categorized for accurate processing.
- Chargeback eligibility is determined based on the ACH chargeback eligibility rules.