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eCheck Returns {#echeck-txnprocess-returns}
===========================================

eCheck transactions consists of several validation phases. When first submitted to `Cybersource`, eCheck transactions are validated for the presence of required data, such as the bank account number and ABA routing number. After the transaction is submitted to the ACH network, it undergoes additional validations, for example, whether the customer's bank account exists and whether there are enough funds in the bank account. A transaction might be returned for various reasons. An eCheck transaction can pass the initial phases of validation and be returned or rejected later in the cycle.  
These are the three types of eCheck returns:

Insufficient funds (NSF) return
:
This type of return occurs when the customer's bank account does not have sufficient funds for the eCheck transaction.

Unauthorized return (chargeback)
:
These transactions are unauthorized returns:

    * The customer claims they did not authorize the eCheck transaction or had revoked their authorization.
    * The transaction was for a different dollar amount than was originally authorized.
    * The transaction was settled prior to the date of the customer's authorization.

:
Additional reasons for chargebacks are listed in [eCheck Chargebacks](/docs/cybs/en-us/echeck/user/all/rest/echeck-user-guide/echeck-txnprocess-overview/echeck-txnprocess-settlement/echeck-txnprocess-chargebacks.md "").

Administrative returns or returned items
:
This type of return includes all other reasons for a return, such as these:

    * Account is closed.
    * Account number is invalid.
    * Non-transaction account.
    * Account is frozen.

> IMPORTANT
> ` Cybersource ` does not automatically resubmit charges returned from a customer's bank due to NSF. You can resubmit transactions returned as NSF or uncollected funds up to two additional times for a total of three submissions. Continued attempts can result in a fine and possible sanctions from Nacha.  
> All unsuccessful eCheck transactions returned through the ACH network includes a return code to indicate the reason for the return. You are responsible for taking any appropriate action when eCheck transactions are returned. The amount of each return is posted to your eCheck settlement account and statement.  
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