If you’re not paying attention to these statistics, you’re probably over your threshold.  Here are some helpful tips:

• Never use ACH as a collection tool
• For high risk customers set them to Debit Card Payments
• Monitor your Returns
• Moving to a new ACH provider is not easy  They will typically ask for your historical performance.  That can follow you around.

Less than 0.5%

R05 Improper Debit to Consumer Account
R07 Authorization Revoked by Customer
R10 Customer Advises Not Authorized
R11 – Entry Not in Accordance with Authorization Terms

Less than 3.0%

R02 Account Closed
R03 No Account/Unable to Locate Account
R04 Invalid Account Number

Less than 15%

ALL Returns
R01 (most common) Insufficient Funds