NACHA ACH Return Decoder
18 returned entries ($3,640.50) decoded: 3 to re-present ($327.00), 1 untimely return to dishonor, 8 accounts to block, 6 customer contacts. Unauthorized return rate 0.625% exceeds the 0.5% Nacha level. 6 file validation issues found.
R01 may be reinitiated twice within 180 days; the origination history shows 0 reinitiations, so this is attempt 2 of 3. Window: 2026-09-14 (origination history) + 180 days = 2027-03-13; re-present 2 banking days after the later of the return settlement 2026-09-16 and the decision date 2026-09-24: 2026-09-28.
Method1Records are read at their NACHA positions (94 characters): file header 1, batch header 5, entry detail 6, return addenda 7 with type 99, batch control 8, file control 9 and all-9 filler.
2ABA check digit: weights 3, 7, 1 repeated over the first eight digits; the check digit brings the total to a multiple of 10. Checked on every entry and on 9-digit immediate destination and origin.
| Return trace | Company | SEC |
|---|---|---|
| 044000030008801 | Brightwater Gyms | PPD |
| 081000030008802 | Brightwater Gyms | PPD |
| 113000020008803 | Brightwater Gyms | PPD |
NACHA ACH return file
Return decisions, return rate check and customer notices (Returns and decisions (JSON), Customer notice drafts, Decision table (CSV))
$2,000 / month, 30% to the referring partner
Read in memory for the session, never stored, never used to train a model.
Not financial, investment, banking or securities advice. Filings and screening results must be reviewed by a qualified compliance professional. Standard and product names belong to their owners. BaseLoom is not affiliated with or certified by them; validate converted files with your trading partner before production use.