ACH Statuses
| Status | Direction | Description | Cancellable |
|---|---|---|---|
| scheduled | Incoming, Outgoing | The ACH has been accepted by the Lead platform and is waiting for further processing. | Incoming: N Outgoing: Y |
| processing | Outgoing | The Lead platform is preparing and the ACH for submission to the Fed for processing. | N |
| submitted | Outgoing | The Lead platform has submitted the ACH transfer for Fed processing. | N |
| posted | Incoming, Outgoing | The ACH transfer has successfully completed and has been posted to the receiving bank account. For outbound, if the receiver is at a different bank, the funds may take a few hours to appear. | N |
| canceled | Outgoing | The ACH transfer has been cancelled and will not be processed. This is a terminal status. | N |
| under_review | Incoming, Outgoing | The ACH transfer has triggered a validation rule that requires further review by the Lead Payment Ops team. Please see best practices on how to avoid this status. We may reach out to you for additional information. | Incoming: N Outgoing: Y |
| approved | Incoming, Outgoing | A successful result of a manual review. This indicates that the ACH transfer will continue to process. | Incoming: N Outgoing: Y |
| rejected | Incoming, Outgoing | An unsuccessful result of a manual review, indicating that Lead Payment Ops has detected an issue with the ACH transfer. Review the data in the rejection hash to determine what to fix and resubmit a corrected ACH transfer if appropriate. This is a terminal status. Please reach out to support via your Slack channel if you have further questions about this decision. | N |
| pending_return | Incoming | The Lead platform has received notice that a previously posted ACH transfer is going to be returned. From here, the payment will move to returned if successful, or back to posted if not (which will not trigger a new ach.posted webhook). | N |
| returned | Incoming, Outgoing | A successful return ACH has been fully processed and the original ACH transfer was returned. This is a terminal status (as, even in the case of a dishonored return, this original payment will not change status). | N |
Incoming ACH Transitions
Outgoing ACH Transitions
Typs of Transfers
ACH transactions can involve various types of transfers beyond standard payments. The following are specific ACH transfer types that may occur in different scenarios.| Type | Description |
|---|---|
| ACH return | A returned ACH item that could not be posted to the receiver’s account for any reason. This can occur due to issues such as insufficient funds, closed accounts, or incorrect account details. |
| Reversal | An ACH entry initiated to correct a previously originated transaction that was sent in error. Reversals should only be used for genuine mistakes, such as duplicate payments or incorrect amounts, and must not be used for unauthorized transactions. |
| Dishonored return | A return entry rejected by the ODFI (Originating Depository Financial Institution). Dishonored returns are only allowed for valid reasons, such as improper or untimely returns. |
| Contested dishonored return | A return entry used by the RDFI (Receiving Depository Financial Institution) to challenge a dishonored return. This process is rare and only permitted in specific circumstances, such as when an ODFI improperly dishonors a valid return. |