Void the debit before it's sent, refund it after it clears
ACH has no hold and no card batch, so there's no reversal. There's a void before origination and a refund after.
Your answers so far
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What to build
Before the processor originates the debit to the ACH network, send a Void. Once the debit has cleared, send a Refund, which creates a new linked transaction that clears on the ACH rail on its own schedule. As on a card, read the transaction's allowedActions list to learn which one applies.
What this means for PCI
This is guidance rather than a compliance determination. Which questionnaire you are eligible for depends on your full environment, so confirm it with your QSA or your acquirer before you rely on it.
Worth knowing
- Transaction.Settled never fires for ACH. Subscribe to Transaction.AchStatusChanged and Transaction.Returned instead.
- A debit can be returned after it reported as cleared. Hold off on irreversible fulfillment for as long as your business can afford to.