Understanding ACH Validation
ACH validation reduces the amount of ACH chargeback events
Our ACH validation process includes a behind‑the‑scenes check designed to reduce failed payments and prevent avoidable ACH returns.
The system automatically verifies that a customer’s bank account is open, active, and properly formatted before the payment is submitted.
By leveraging our GIACT validation tool, routing and account numbers are validated in real time to ensure they are accurate and able to accept ACH transactions.
What this means:
- Fewer ACH chargebacks, including common return codes like R03 – Account Not Found
- Less manual follow‑up, reprocessing, and customer outreach
- More reliable, successful payment outcomes, with fewer delays and disruptions
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