--- title: How to manage failed ACH Payments in CentimePay description: Learn how CentimePay handles failed ACH payments and how to manage them effectively. --- [Skip to content](https://knowledgebase.centime.com/support/managing-failed-ach-payments-in-centimepay#main-content) English - United States Show submenu for translations [![Centim App Logo-1](https://knowledgebase.centime.com/hubfs/Centim%20App%20Logo-1.svg)](https://knowledgebase.centime.com/support?hsLang=en-us) Open main navigation Close main navigation - English - United States Show submenu for translations - [Contact us](https://www.centime.com/company/contact-us) [Contact us](https://www.centime.com/company/contact-us) How can we help you? - There are no suggestions because the search field is empty. 1. [Centime Knowledge Base](https://knowledgebase.centime.com/support?hsLang=en-us) 2. [Manage Receivables](https://knowledgebase.centime.com/support/manage-receivables?hsLang=en-us) 3. [CentimePay](https://knowledgebase.centime.com/support/manage-receivables?hsLang=en-us#centimepay) May 1, 2025 # How to manage failed ACH Payments in CentimePay ## Learn how CentimePay handles failed ACH payments and how to manage them effectively. ### What is a Failed Payment? A failed payment occurs when a bank or customer disputes a completed transaction, causing a reversal of funds to the customer’s account. This happens automatically when certain conditions aren't met. As soon as Centime receives a notification from our merchant acquirer (the institution processing the payment), we’ll inform you and provide the necessary next steps. ### Why Does a Failed Payment Happen? Failed payments, also known as ACH returns or reversals, typically occur due to the following reasons: - Insufficient Funds (NSF): The account doesn’t have enough balance to cover the transaction. - Unauthorized Transaction: The account holder denies authorizing the debit or did not follow proper authorization. - Incorrect Account Information: The routing or account number used is faulty or doesn’t exist. - Payment Stop: The account holder has requested that the payment be stopped before processing. - Duplicate Transaction: The exact payment is processed more than once. - Closed Account: The account from which the attempted payment has been closed. - Revoked Authorization: The account holder later withdrew A previously authorized transaction. - Fraudulent Transaction: The bank or account holder flags the payment as fraudulent. ### What Happens When There’s a Failed Payment? Here’s how failed payments are handled: 1. Impact on Merchant Account: - Centime’s payment processor, Adyen, maintains your Merchant Account. - When a failed payment occurs, your Merchant Account will go negative by the failed payment amount. 2. Withholding Payments: - To maintain balance, Adyen will withhold subsequent payments until the negative balance is resolved. - Since Centime sends payments on a one-by-one basis, the withheld amount may exceed the negative balance. 3. Replenishing Your Merchant Account: - To restore your account, you need to pay directly to Adyen. - Once the payment is received and processed, your balance will be restored, and withheld payments will be released. ### Resolving the Failed Payment Invoices associated with failed payments must be recollected and Cetime's Merchant account must be made whole.  1. **Void the Payment in Your General Ledger**: Once voided, Centime will return the invoice to the unpaid tab during the next sync. 2. **Communicate with Your Customer:** Inform your customer of the failed payment and request a new payment to resolve the issue. Centime will automatically resume reminders if applicable in the workflow. 3. Replenishing Your Merchant Account: To restore your account, you need to pay directly to Adyen. ### Replenishing Your Merchant Account You can resolve your Adyen Merchant Account in two ways: 1\. Manual Resolution: - Make a direct payment to Adyen, including a reference number (provided by Centime) to ensure correct application to your Merchant Account. - Once processed, your account balance is restored, and Adyen will release any held payments. 2\. Automated Resolution: - During onboarding, we recommend enabling automatic debits to address future failed payments. - Contact your bank and allow Adyen to initiate direct debits using the provided Originator IDs:  - 2638633811, 9263863381, 8263863381, 4263863381, 3263863381, 2263863380. - Centime initiates these debits as CCD transactions. - With this authorization, Centime will automatically debit your bank whenever a failed payment results in a negative balance, ensuring minimal disruptions. 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