What is NACHA?
The body that writes the ACH rulebook — and the thresholds every originator has to live under.
NACHA is the organization that governs the ACH network and writes its operating rules. If you originate ACH payments, NACHA's rules define what you can do and the standards you're held to.
Return-rate thresholds
NACHA sets thresholds on return rates. The most cited is the 0.5% administrative-return-rate ceiling (for returns like closed or invalid accounts), alongside limits on unauthorized returns. Cross them and you'll hear from your bank.
What it means for a platform
Origination quality is a compliance obligation, not just a metric. Verifying accounts before you debit them, and monitoring returns as they happen, is how you stay inside the rules.
On DigitalTreasury
ACH return rates are tracked per tenant against NACHA thresholds, so an origination problem surfaces as a monitored number before it becomes a bank conversation. See compliance & controls.
What is ACH?
The batch network that moves most US bank-to-bank money — how credits, debits and returns actually work.
ACH return codes explained (R01, R02, R03…)
Why a payment came back — and why 'insufficient funds' and 'account closed' should be different branches in your code.
What is payment reconciliation?
Making your books and the bank agree — and why the best reconciliation is the kind you never run.