ACH debit return charges refer to the fees charged by banks or payment processors when an ACH (Automated Clearing House) payment transaction fails to be completed and is returned to the originators account instead of transferring to the recipient. ACH payments are electronic transfers that use the routing and account numbers of the sender and recipient to move funds from one account to another. ACH returns occur when the payment transaction cannot process as intended, and common reasons include insufficient funds, closed bank accounts, incorrect account information, and stop payments. The fees charged for ACH returns typically range from $2 to $5, depending on the ACH processor. As a merchant or provider, receiving notice of an ACH return means that you dont receive the money youre owed, and knowing what these returns are and how to respond ensures you earn your expected revenue.