When a return file is processed through ASPIRE (on the Tasks - Cash Management screen - Lockbox – ACH Return File (toolbar)), the records in the uploaded return file are matched with the payment records in ASPIRE and those payments are returned.
Return records are denoted by:
Payment detail records (“6 records”) – lines 3 and 4 below
Associated addenda records (“7 records” underneath the 6 record in the file) – see example below
Return addenda type (character position 2-3 being “99”) – in the “7 record example”
Return reason (character position 4 being “R” followed by a two digit code – e.g. R01 is for insufficient funds) – in the “7 record example”
Example of a “7 record”
There are records that can show up in return files called “change records”. These are denoted by character position 4 on the 7 record being a “C”.
These are used to denote changes to the account (e.g. an upcoming change in account number, address, or closing the account). ASPIRE ignores these records.
ASPIRE Version Note
Starting with ASPIRE v5.20.11054, the way in which ASPIRE maps payments from the return file to payments in ASPIRE was changed.
Prior to this build,
the Effective Entry Date on the “5 record”, payment amount
, and contract ID,
also in the “6 record”.
After this build,
at line position 40-54 of the 6 record for the return record and match
it with the payment reference number (see ADO 25922 for further information).
This difference has no impact on
steps below to create a return
file for testing purposes.
Creating ACH Return File
- Generate ACH File
- On the Tasks menu - EFT File Generation screen, create an ACH File for a payment you will return.
- The Originating Bank must have a processing type of “ACH” (set on Administration menu - Cash Management screen - EFT Bank Setup).
- Remove any payments you do not want to return from the ACH File
- Remove any payment detail lines (“6 records”) that you do not want to return.
- Also remove any batch header lines (“5 records”) that your payment(s) is not included under.
3. Retain the
for your payment (first line that starts with a “5” above your payment record), your payment’s “6 record
, along with the 1, 8, and 9 records in the file.