And what, pray tell, would be the reason for returning those ACH payments? Could it be that the cardholder made the payments in the belief that you could accept ACH credits to the credit card account, and that belief turned out to be incorrect?
Technically, I think, these would be separate incidents that would permit the assessment of separate fees. But usually the return items would be bounced (returned) checks. In your example, your bank is the party making the decision to return.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8