ACH operations
batches, manual forms, returns, event-sourced payment commands, projections, and reconciliation
Open batch value
$638.95
3 entries staged
Submitted entries
1
awaiting settlement
Returns in review
1
API returned 401
Command reviews
1
dual approval / exception queue
| Batch | Status | Entries | Amount | Returns | Cutoff |
|---|---|---|---|---|---|
| B-04302026-A | returned | 1 | $303.38 | evidence | 15:00 |
Batch lifecycle
apply submit, settle, reconcile, and retained-evidence transitions
Entries
1
Amount
$303.38
Return-file import
parse seeded return files, match traces, post ACH return events, and open variances
| File | Status | Matched | Returns | Exceptions | Evidence |
|---|---|---|---|---|---|
| RET-04302026-A.ach | posted | 1/1 | 1 | 0 | evidence.json |
Seed ACH return
target a submitted debit entry, reverse the ledger impact, open review, and retain evidence
Batch
B-04302026-A
Trace
043020260000001
Amount
$303.38
| Ledger account | Direction | Amount | Result |
|---|---|---|---|
| Principal receivable | debit | $303.38 | Restore loan #57941 balance |
| Cash clearing | credit | $303.38 | Reverse ACH settlement cash |
Pre-transmission staging queue
queued and held entries of open batches grouped by originating account, with per-row cancel, stop-payment, and requeue levers
Nothing is staged for transmission. Queued entries appear here as soon as a disbursement or scheduled debit lands in an open batch.
Batch release checklist
pre-export controls for same-day and standard ACH windows
Rail mode
fail-closed default (unconfigured)
Dual approval
release review: two distinct approvers, requester barred
Duplicate guard
batch key + entry hash
NACHA checksum
file control total retained
Manual payment forms
debit, credit, and return commands with required field inventory from the legacy LMS
Manual debit
captureloan / amount / reason / evidence key / stored bank last4
Manual credit
adjustloan / amount / coded reason / evidence key / maker-checker status
Manual return
returntrace, loan, or entry search / return code / return reason / evidence key
Return handling
NACHA codes mapped to borrower notices, account holds, and ledger events
| Code | Reason | Customer | Amount | Status | Next step |
|---|---|---|---|---|---|
| R01 | Insufficient funds | Devon Ortega | $303.38 | needs review | Open review |
Payment commands and projections
authorize, capture, return, correct, void, adjust, reverse, reconcile, and rebuild balance
| Loan | Borrower | Command | Status | Amount | Evidence |
|---|---|---|---|---|---|
| #58044 | Marcus Reyes | capture | posted | $351.45 | capture-20260504.json |
Reconciliation workspace
export totals, settlement files, return files, and ledger postings compared before close
| Source | Expected | Matched | Variance | Status |
|---|---|---|---|---|
| NACHA export | $303.38 | $303.38 | $0.00 | Balancedevidence.json |
| Settlement files | $303.38 | $283.38 | $20.00 | Variance open |
| Return file | $303.38 | $303.38 | $0.00 | Balancedevidence.json |
| Ledger projections | $648.55 | $648.55 | $0.00 | Review |
Variance resolution
assign, investigate, resolve, or waive close-blocking ACH reconciliation differences
Expected
$303.38
Actual
$283.38
Variance
-$20.00
Settlement processor total is $20.00 short against the submitted debit batch and must be resolved before close.
| Source | Status | Expected | Actual | Variance | Evidence |
|---|---|---|---|---|---|
| Settlement file S-04302026-A | open | $303.38 | $283.38 | -$20.00 | - |
Settlement view
entry lifecycle bucketed by sent date (2026-06-16 to 2026-07-15, tenant operating day) — feeds reconciliation variances
| Date | Batches | Entries | Amount | Prenotes | Settled | Returned | Open variances |
|---|
No entries carry a sent timestamp inside this window.
Notifications of change
bank-issued account corrections (COR/type-98) with masked corrected fields — advisory, never a money movement
No notifications of change have been received.
ACH batch entries
trace numbers, borrower links, return status, source payment event, and retained evidence
| Batch | Trace | Loan | Borrower | Amount | Status | Evidence |
|---|---|---|---|---|---|---|
| B-04302026-A | 043020260000001 | #57941 | Devon Ortega | $303.38 | returned | evidence.json |
Ledger and evidence trail
payment event, ledger transaction, command review, audit event, payload hash, and retained evidence
| Loan | Borrower | Event | Amount | Ledger | Audit | Evidence |
|---|---|---|---|---|---|---|
| #58044 | Marcus Reyes | capture | $351.45 | abababab | abababab | capture-20260504.json |
Close-day blocker resolution
Clear command reviews, reconciliation variances, and ACH return cases before recording business-day close.
1. Resolve 1 open variance next.
2. Close 1 return case.
3. Run Recheck close to refresh the blocker status.
| Type | Item | Detail | Severity |
|---|---|---|---|
| Variance | Settlement file S-04302026-A | -$20.00 - open - Settlement processor total is $20.00 short against the submitted debit batch and must be resolved before close. | critical |
| ACH return | R01 #57941 | Devon Ortega - $303.38 - needs review | critical |