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Monitor your return activity with the FedPayments® Insights Service

The ACH Payments Trends and ACH Return Rate Originator reports in the FedPayments Insights Service allow you to monitor your financial institution’s FedACH® return activity more easily, giving you a powerful tool to help with your risk management and audit needs.

How can I see the return rates for all of my originators in a single view so that I can help determine compliance with Nacha-defined debit rate thresholds?

The Return Rate report in FedPayments Insights allows an Originating Depository Financial Institution (ODFI) to view its debit return rates for FedACH activity compared to Nacha-defined or self-administered thresholds. The report provides dollar and entry counts in total and by SEC Codes to support audit requirements.

This information enables your financial institution to proactively reach out to your Originators to address questionable behavior or to provide necessary training to reduce administrative returns.

Is there a way to measure my financial institution’s return activity over time to help manage risk and estimate budget impacts for related fees?

The ACH Payment Trends report in FedPayments Insights offers return filters for categories of returns, such as unauthorized, invalid and dishonored. This can help identify trends over time for your corporate customers, as well as help estimate fees that will be collected or charged for unauthorized returns based on recent activity.

What’s new in the FedPayments Insights Service?


The Return Rate report now offers the option to group results by originator name for ease of use. Grouping by name rather than by originator ID may more accurately reflect the underlying business entity.


To improve navigation, the Trends report now includes hyperlinks on the originator ID field that will auto-populate the ID into the filter page for additional analysis at the customer level.

Ready to sign up?

Review Operating Circular 4, Automated Clearing House, Appendix F4: FedPayments Insights Service, before submitting Part 6G (PDF) of the FedACH® Participation Agreement to the location listed on the form.

For current FedLine® Solutions customers, an End User Authorization Contact (EUAC) with authority to manage access for FedACH Services should submit a Subscriber request via the EUAC Center within FedLine Home to grant new subscribers access or to modify current subscribers' access to include the FedPayments Insights Service. Otherwise, the organization must first submit an EUAC Form (PDF) to authorize its EUAC to manage access for FedACH Services.

If you have any questions, contact FedACH and Check Services Customer Support or submit a contact request and your relationship manager will reach out to you.