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   \"_id\": \"594e0fa2838454002ea317a0\",\n    \"_links\": {\n        \"self\": {\n            \"href\": \"https://uat-api.synapsefi.com/v3.1/users/594e0fa2838454002ea317a0\"\n        }\n    },\n    \"client\": {\n        \"id\": \"589acd9ecb3cd400fa75ac06\",\n        \"name\": \"SynapseFI\"\n    },\n    \"doc_status\": {\n        \"physical_doc\": \"SUBMITTED|VALID\",\n        \"virtual_doc\": \"SUBMITTED|VALID\"\n    },\n    \"documents\": [\n        {\n            \"id\": \"2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8\",\n            \"name\": \"Test User\",\n            \"permission_scope\": \"SEND|RECEIVE|1000|DAILY\",\n            \"physical_docs\": [\n                {\n                    \"document_type\": \"GOVT_ID\",\n                    \"id\": \"c486c2cb8c1bce695fcfae3197e14aa5b8ddec184c2779d00d581abee5d9a04c\",\n                    \"last_updated\": 1498288034877,\n                    \"status\": \"SUBMITTED|VALID\"\n                }\n            ],\n            \"social_docs\": [\n                {\n                    \"document_type\": \"FACEBOOK\",\n                    \"id\": \"8f314a6a53f36ee569455761e49a2a7fe790d251c5611c65255befdb303602b7\",\n                    \"last_updated\": 1498288034880,\n                    \"status\": \"SUBMITTED|VALID\"\n                },\n                {\n                    \"document_type\": \"PHONE_NUMBER\",\n                    \"id\": \"fda60784d6375bc44edafaaeae149626c4c13dcb92e85a2a7a00eec2cdfd2b6f\",\n                    \"last_updated\": 1498288034880,\n                    \"status\": \"SUBMITTED|VALID\"\n                },\n                {\n                    \"document_type\": \"EMAIL\",\n                    \"id\": \"2c45158f6431ca874bbe82f63d5905567854dde4d8b81539944e5779e5eee741\",\n                    \"last_updated\": 1498288034880,\n                    \"status\": \"SUBMITTED|VALID\"\n                },\n                {\n                    \"document_type\": \"IP\",\n                    \"id\": \"28d9177b22c127d9a51d8903893864accf6e553ac326704a4c0d585eaad2516a\",\n                    \"last_updated\": 1498288034880,\n                    \"status\": \"SUBMITTED|VALID\"\n                }\n            ],\n            \"virtual_docs\": [\n                {\n                    \"document_type\": \"SSN\",\n                    \"id\": \"ee596c2896dddc19b76c07a184fe7d3cf5a04b8e94b9108190cac7890739017f\",\n                    \"last_updated\": 1498288034875,\n                    \"status\": \"SUBMITTED|VALID\"\n                }\n            ]\n        }\n    ],\n    \"emails\": [],\n    \"extra\": {\n        \"cip_tag\": 1,\n        \"date_joined\": 1498288029784,\n        \"extra_security\": false,\n        \"is_business\": false,\n        \"last_updated\": 1498288034864,\n        \"public_note\": null,\n        \"supp_id\": \"122eddfgbeafrfvbbb\"\n    },\n    \"is_hidden\": false,\n    \"legal_names\": [\n        \"Test User\"\n    ],\n    \"logins\": [\n        {\n            \"email\": \"test:::at:::synapsefi.com\",\n            \"scope\": \"READ_AND_WRITE\"\n        }\n    ],\n    \"permission\": \"SEND-AND-RECEIVE\",\n    \"phone_numbers\": [\n        \"[email protected]\",\n        \"901.111.1111\"\n    ],\n    \"photos\": [],\n    \"refresh_token\": \"refresh_ehG7YBS8ZiD0sLa6PQHMUxryovVkJzElC5gWROXq\"\n}","name":"w/o full_dehydrate"},{"code":"{\n    \"_id\": \"594e0fa2838454002ea317a0\",\n    \"_links\": {\n        \"self\": {\n            \"href\": \"https://uat-api.synapsefi.com/v3.1/users/594e0fa2838454002ea317a0\"\n        }\n    },\n    \"_v\": 2,\n    \"client\": {\n        \"id\": \"589acd9ecb3cd400fa75ac06\",\n        \"name\": \"SynapseFI\"\n    },\n    \"doc_status\": {\n        \"physical_doc\": \"SUBMITTED|VALID\",\n        \"virtual_doc\": \"SUBMITTED|VALID\"\n    },\n    \"documents\": [\n        {\n            \"address_city\": \"SF\",\n            \"address_country_code\": \"US\",\n            \"address_postal_code\": \"94114\",\n            \"address_street\": \"1 Market St.\",\n            \"address_subdivision\": \"CA\",\n            \"alias\": \"Test\",\n            \"day\": 2,\n            \"email\": \"[email protected]\",\n            \"entity_scope\": \"Arts & Entertainment\",\n            \"entity_type\": \"M\",\n            \"id\": \"2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8\",\n            \"ip\": \"::1\",\n            \"month\": 5,\n            \"name\": \"Test User\",\n            \"permission_scope\": \"SEND|RECEIVE|1000|DAILY\",\n            \"phone_number\": \"901.111.1111\",\n            \"physical_docs\": [\n                {\n                    \"document_type\": \"GOVT_ID\",\n                    \"document_value\": \"https://cdn.synapsepay.com/uploads/2017/06/24/DioeVvEbMOfxzpLGZNCPnJKYuHQ7t89s4FBmTk00rRgyc35WXU.gif\",\n                    \"id\": \"c486c2cb8c1bce695fcfae3197e14aa5b8ddec184c2779d00d581abee5d9a04c\",\n                    \"last_updated\": 1498288034877,\n                    \"meta\": {\n                        \"matches\": {\n                            \"address\": \"not_found\",\n                            \"dob\": \"not_found\",\n                            \"identification\": \"not_found\"\n                        }\n                    },\n                    \"status\": \"SUBMITTED|VALID\"\n                }\n            ],\n            \"screening_results\": {\n                \"561\": \"NO_MATCH\",\n                \"aucl\": \"NO_MATCH\",\n                \"concern_location\": \"NO_MATCH\",\n                \"dpl\": \"NO_MATCH\",\n                \"dtc\": \"NO_MATCH\",\n                \"el\": \"NO_MATCH\",\n                \"eucl\": \"NO_MATCH\",\n                \"fatf_non_cooperative_jurisdiction\": \"NO_MATCH\",\n                \"fbi_bank_robbers\": \"NO_MATCH\",\n                \"fbi_counter_intelligence\": \"NO_MATCH\",\n                \"fbi_crimes_against_children\": \"NO_MATCH\",\n                \"fbi_criminal_enterprise_investigations\": \"NO_MATCH\",\n                \"fbi_cyber\": \"NO_MATCH\",\n                \"fbi_domestic_terrorism\": \"NO_MATCH\",\n                \"fbi_human_trafficking\": \"NO_MATCH\",\n                \"fbi_murders\": \"NO_MATCH\",\n                \"fbi_violent_crimes\": \"NO_MATCH\",\n                \"fbi_wanted_terrorists\": \"NO_MATCH\",\n                \"fbi_white_collar\": \"NO_MATCH\",\n                \"fincen_red_list\": \"NO_MATCH\",\n                \"fse\": \"NO_MATCH\",\n                \"fto_sanctions\": \"NO_MATCH\",\n                \"futures_sanctions\": \"NO_MATCH\",\n                \"hkma_sanctions\": \"NO_MATCH\",\n                \"hm_treasury_sanctions\": \"NO_MATCH\",\n                \"isn\": \"NO_MATCH\",\n                \"mas_sanctions\": \"NO_MATCH\",\n                \"monitored_location\": \"NO_MATCH\",\n                \"ns-isa\": \"NO_MATCH\",\n                \"ofac_561_list\": \"NO_MATCH\",\n                \"ofac_eo13645\": \"NO_MATCH\",\n                \"ofac_fse\": \"NO_MATCH\",\n                \"ofac_fse_ir\": \"NO_MATCH\",\n                \"ofac_fse_sy\": \"NO_MATCH\",\n                \"ofac_isa\": \"NO_MATCH\",\n                \"ofac_ns_isa\": \"NO_MATCH\",\n                \"ofac_plc\": \"NO_MATCH\",\n                \"ofac_sdn\": \"NO_MATCH\",\n                \"ofac_ssi\": \"NO_MATCH\",\n                \"ofac_syria\": \"NO_MATCH\",\n                \"ofac_ukraine_eo13662\": \"NO_MATCH\",\n                \"osfi\": \"NO_MATCH\",\n                \"pep\": \"NO_MATCH\",\n                \"plc\": \"NO_MATCH\",\n                \"primary_concern\": \"NO_MATCH\",\n                \"sdn\": \"NO_MATCH\",\n                \"ssi\": \"NO_MATCH\",\n                \"tel_sanctions\": \"NO_MATCH\",\n                \"ukcl\": \"NO_MATCH\",\n                \"uvl\": \"NO_MATCH\"\n            },\n            \"social_docs\": [\n                {\n                    \"document_type\": \"FACEBOOK\",\n                    \"document_value\": \"https://www.facebook.com/valid\",\n                    \"id\": \"8f314a6a53f36ee569455761e49a2a7fe790d251c5611c65255befdb303602b7\",\n                    \"last_updated\": 1498288034880,\n                    \"meta\": {\n                        \"matches\": {\n                            \"address\": \"not_found\",\n                            \"dob\": \"not_found\",\n                            \"identification\": \"not_found\"\n                        }\n                    },\n                    \"status\": \"SUBMITTED|VALID\"\n                },\n                {\n                    \"document_type\": \"PHONE_NUMBER\",\n                    \"document_value\": \"901.111.1111\",\n                    \"id\": \"fda60784d6375bc44edafaaeae149626c4c13dcb92e85a2a7a00eec2cdfd2b6f\",\n                    \"last_updated\": 1498288034880,\n                    \"meta\": {\n                        \"matches\": {\n                            \"address\": \"not_found\",\n                            \"dob\": \"not_found\",\n                            \"identification\": \"not_found\"\n                        }\n                    },\n                    \"status\": \"SUBMITTED|VALID\"\n                },\n                {\n                    \"document_type\": \"EMAIL\",\n                    \"document_value\": \"[email protected]\",\n                    \"id\": \"2c45158f6431ca874bbe82f63d5905567854dde4d8b81539944e5779e5eee741\",\n                    \"last_updated\": 1498288034880,\n                    \"meta\": {\n                        \"matches\": {\n                            \"address\": \"not_found\",\n                            \"dob\": \"not_found\",\n                            \"identification\": \"not_found\"\n                        }\n                    },\n                    \"status\": \"SUBMITTED|VALID\"\n                },\n                {\n                    \"document_type\": \"IP\",\n                    \"document_value\": \"::1\",\n                    \"id\": \"28d9177b22c127d9a51d8903893864accf6e553ac326704a4c0d585eaad2516a\",\n                    \"last_updated\": 1498288034880,\n                    \"meta\": {\n                        \"matches\": {\n                            \"address\": \"not_found\",\n                            \"dob\": \"not_found\",\n                            \"identification\": \"not_found\"\n                        }\n                    },\n                    \"status\": \"SUBMITTED|VALID\"\n                }\n            ],\n            \"virtual_docs\": [\n                {\n                    \"document_type\": \"SSN\",\n                    \"document_value\": \"2222\",\n                    \"id\": \"ee596c2896dddc19b76c07a184fe7d3cf5a04b8e94b9108190cac7890739017f\",\n                    \"last_updated\": 1498288034875,\n                    \"meta\": {\n                        \"matches\": {\n                            \"address\": \"not_found\",\n                            \"dob\": \"not_found\",\n                            \"identification\": \"not_found\"\n                        }\n                    },\n                    \"status\": \"SUBMITTED|VALID\"\n                }\n            ],\n            \"year\": 1989\n        }\n    ],\n    \"emails\": [],\n    \"extra\": {\n        \"cip_tag\": 1,\n        \"date_joined\": 1498288029784,\n        \"extra_security\": false,\n        \"is_business\": false,\n        \"last_updated\": 1498288034864,\n        \"note\": null,\n        \"public_note\": null,\n        \"supp_id\": \"122eddfgbeafrfvbbb\"\n    },\n    \"flag\": \"NOT-FLAGGED\",\n    \"ips\": [\n        \"127.0.0.1\"\n    ],\n    \"is_hidden\": false,\n    \"legal_names\": [\n        \"Test User\"\n    ],\n    \"logins\": [\n        {\n            \"email\": \"[email protected]\",\n            \"scope\": \"READ_AND_WRITE\"\n        }\n    ],\n    \"permission\": \"SEND-AND-RECEIVE\",\n    \"phone_numbers\": [\n        \"[email protected]\",\n        \"901.111.1111\"\n    ],\n    \"photos\": [],\n    \"refresh_token\": \"refresh_ehG7YBS8ZiD0sLa6PQHMUxryovVkJzElC5gWROXq\"\n}","language":"json","name":"with full_dehydrate","status":200}]},"method":"get","examples":{"codes":[{"language":"http","code":"GET /v3.1/users/594e0fa2838454002ea317a0 HTTP/1.1\nHost: uat-api.synapsefi.com\nX-SP-GATEWAY: client_id_2bb1e412edd311e6bd04e285d6015267|client_secret_2bb1e714edd311e6bd04e285d6015267\nX-SP-USER-IP: 127.0.0.1\nX-SP-USER: |e83cf6ddcf778e37bfe3d48fc78a6502062fc\nContent-Type: application/json","name":"w/o full_dehydrate"},{"name":"with full_dehydrate","language":"http","code":"GET /v3.1/users/594e0fa2838454002ea317a0?full_dehydrate=yes HTTP/1.1\nHost: uat-api.synapsefi.com\nX-SP-GATEWAY: client_id_2bb1e412edd311e6bd04e285d6015267|client_secret_2bb1e714edd311e6bd04e285d6015267\nX-SP-USER-IP: 127.0.0.1\nX-SP-USER: |e83cf6ddcf778e37bfe3d48fc78a6502062fc\nContent-Type: application/json"}]},"auth":"required","params":[{"_id":"58acf7f3e570c62500512a63","ref":"","in":"query","required":false,"desc":"[yes/no] Full Dehydrate yes will return back user's KYC info.","default":"no","type":"string","name":"full_dehydrate"},{"_id":"590ca984ae0df70f0044026c","ref":"","in":"path","required":true,"desc":"The user ID of the user you wish to retrieve","default":"","type":"string","name":"user_id"}],"url":"/v3.1/users/:user_id"},"isReference":false,"order":7,"body":"Returns and Chargebacks can occur after an ACH transaction has settled.\n\n##Returns\nAn ACH return is a notification generated by the user’s bank to inform us that the transaction could not be processed.\n\n**Timeline:** 2-3 business days post-settlement \n\n**Common reasons for return codes include:**\n* Insufficient Funds\n* Account Closed\n* Invalid Account Number\n\n**Relevant Transaction Codes:** View our full list of ACH Return Codes\n\n##Chargebacks\nChargebacks are unauthorized or improperly executed transactions. For an ACH chargeback to occur, the customer must notify their bank to dispute the transaction.\n\n**Timeline:** 60 calendar days post-settlement \n\n**Valid ACH Chargeback Reasons:**\n* Transaction was never authorized (or authorization was revoked)\n* Incorrect Amount was debited\n* Funds were debited *before* the agreed upon date\n\n**Other reasons you may see chargebacks:**\n* Customer Confusion: The name that appears on bank statements should match your company name.\n* Customer Disputes: Make it easy for customers to dispute transactions directly from your UI.\n* Inability to Pay: Allow customers to snooze payments if possible.\n* Cancelling Subscriptions: Make it easy to cancel subscriptions from your UI.\n* Fraudulent Activity: Start off with conservative limits and strong KYC until you know your transactional risk well. When possible, encourage incoming ACH credits, rather than debiting the account yourself.\n\n**Relevant Transaction Codes:**\n* `R10 - Customer Advises Not Authorized.` This means the sender has claimed that the transaction was unauthorized or improperly executed.\n* `R07-Authorization revoked by Customer.` This means that the recipient has revoked the authorization.\n* View the full list of Transaction Codes.\n\n##How do we notify you of returns/chargebacks?\nTo help you manage return/chargeback notifications, please setup webhooks. Webhooks will update you on the status of a transaction, including whether there was a return.\n\n##Who is responsible for covering a return/chargeback?\nIf funds are debited into a Synapse account (ex: DEPOSIT-US), the funds will be returned from that account. If there are not enough funds in the account, the account balance will go negative. We reconcile negative balances from your reserve at the end of each month, so please keep your reserve funded.\n\n##High Volume of Returns/Chargebacks\nWe understand one-off returns and chargebacks occur. However, high rates of returns/chargebacks can indicate systemic issues. Should we notice an increase in returns/chargebacks, you may be asked to take steps to reduce these rates. Our team can also provide tips to further reduce these numbers.\n\nWe also reserve the right to increase your reserve to cover increased return risk and charge a $15 fee for ACH returns/chargebacks.\n\nNote that NACHA enforces return rate thresholds across all platforms. These rates are measured on a rolling 60 day basis. Should you go above these rates, you may be subject to the removal of ACH capabilities by NACHA.\n\n* Unauthorized Return Rate Threshold: 0.5%\n* Administrative Return Rate Threshold: 3.0%\n* Overall Return Rate Threshold: 15.0%\n\n##Disputing a Chargeback\nACH Chargebacks are difficult to dispute. When possible, we will dispute chargebacks, but we recommend focusing your efforts on preventing them in the first place.\n\nHere is more context on that process:\n* If a chargeback occurs within the allotted time frame of the Reg E guidelines, we are usually unable to dispute the chargeback.\n* If the chargeback occurs after the allotted time frame, we will submit documents to dishonor the return directly with the customer's bank. These include screenshots of ACH authorization & disclosures, as well as evidence demonstrating the transaction was made with the user's credentials.\n* In limited cases, we are able to help you obtain the Written Statement of Unauthorized Debit (WSUD) for your records.","excerpt":"Resource for ACH returns and chargebacks","slug":"returns-and-chargebacks","type":"basic","title":"Returns and Chargebacks"}

Returns and Chargebacks

Resource for ACH returns and chargebacks

Returns and Chargebacks can occur after an ACH transaction has settled. ##Returns An ACH return is a notification generated by the user’s bank to inform us that the transaction could not be processed. **Timeline:** 2-3 business days post-settlement **Common reasons for return codes include:** * Insufficient Funds * Account Closed * Invalid Account Number **Relevant Transaction Codes:** View our full list of ACH Return Codes ##Chargebacks Chargebacks are unauthorized or improperly executed transactions. For an ACH chargeback to occur, the customer must notify their bank to dispute the transaction. **Timeline:** 60 calendar days post-settlement **Valid ACH Chargeback Reasons:** * Transaction was never authorized (or authorization was revoked) * Incorrect Amount was debited * Funds were debited *before* the agreed upon date **Other reasons you may see chargebacks:** * Customer Confusion: The name that appears on bank statements should match your company name. * Customer Disputes: Make it easy for customers to dispute transactions directly from your UI. * Inability to Pay: Allow customers to snooze payments if possible. * Cancelling Subscriptions: Make it easy to cancel subscriptions from your UI. * Fraudulent Activity: Start off with conservative limits and strong KYC until you know your transactional risk well. When possible, encourage incoming ACH credits, rather than debiting the account yourself. **Relevant Transaction Codes:** * `R10 - Customer Advises Not Authorized.` This means the sender has claimed that the transaction was unauthorized or improperly executed. * `R07-Authorization revoked by Customer.` This means that the recipient has revoked the authorization. * View the full list of Transaction Codes. ##How do we notify you of returns/chargebacks? To help you manage return/chargeback notifications, please setup webhooks. Webhooks will update you on the status of a transaction, including whether there was a return. ##Who is responsible for covering a return/chargeback? If funds are debited into a Synapse account (ex: DEPOSIT-US), the funds will be returned from that account. If there are not enough funds in the account, the account balance will go negative. We reconcile negative balances from your reserve at the end of each month, so please keep your reserve funded. ##High Volume of Returns/Chargebacks We understand one-off returns and chargebacks occur. However, high rates of returns/chargebacks can indicate systemic issues. Should we notice an increase in returns/chargebacks, you may be asked to take steps to reduce these rates. Our team can also provide tips to further reduce these numbers. We also reserve the right to increase your reserve to cover increased return risk and charge a $15 fee for ACH returns/chargebacks. Note that NACHA enforces return rate thresholds across all platforms. These rates are measured on a rolling 60 day basis. Should you go above these rates, you may be subject to the removal of ACH capabilities by NACHA. * Unauthorized Return Rate Threshold: 0.5% * Administrative Return Rate Threshold: 3.0% * Overall Return Rate Threshold: 15.0% ##Disputing a Chargeback ACH Chargebacks are difficult to dispute. When possible, we will dispute chargebacks, but we recommend focusing your efforts on preventing them in the first place. Here is more context on that process: * If a chargeback occurs within the allotted time frame of the Reg E guidelines, we are usually unable to dispute the chargeback. * If the chargeback occurs after the allotted time frame, we will submit documents to dishonor the return directly with the customer's bank. These include screenshots of ACH authorization & disclosures, as well as evidence demonstrating the transaction was made with the user's credentials. * In limited cases, we are able to help you obtain the Written Statement of Unauthorized Debit (WSUD) for your records.