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Standard ACH Refund timeline

What is the expected timeline when ACH refund is issued in the payments portal?

ACH refunds typically take about a week to complete, depending on both banks’ processing times and the ACH network’s schedule. Clear communication and accurate banking information help prevent delays and ensure a smoother refund experience for everyone involved.

ACH refunds are generally completed within 5–7 business days, though the exact timing can depend on your processor and the receiving bank’s policies.

Here’s the typical breakdown:

  • 1–3 business days: Refund submission and processing by your payment provider (AndDone).
  • 1–2 business days: Settlement through the ACH network.
  • 1–2 business days: Posting by the customer’s receiving bank.

Best Practices for Smooth Refunds

  • Communicate clearly: Let shoppers know when you issued the refund and that ACH refunds can take up to a week. 

What can I communicate to my shopper?  Example: “We’ve processed your ACH refund. ACH refunds usually take 5–7 business days to reach your account, depending on your bank’s posting schedule. If you don’t see it after a week, contact your bank with the ACH trace number we can provide.”

  • Provide tracking details: Share the ACH trace number if available. It allows customers or their banks to locate the transaction.
  • Check for returns: If a refund fails (for example, due to a closed or invalid bank account), you’ll receive an ACH return notice within 2–5 business days.
  • Avoid duplicate refunds: Confirm the first refund has cleared before issuing another.

Related Articles:

How do I initiate a refund?

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