ACH debit return charges refer to the fees that banks or payment processors charge when an ACH debit transaction is returned due to insufficient funds in the account or other reasons. ACH debit is a type of electronic transaction that allows a recipient to withdraw money immediately from a payers account. When a payment is bounced, the bank or service provider can charge a return fee, which is usually between $2 to $5. The payer is usually responsible for bearing the debit return charges in India, but there are certain cases in which the merchant may be responsible for bearing these charges.

In summary, ACH debit return charges are fees charged by banks or payment processors when an ACH debit transaction is returned due to insufficient funds or other reasons. The fees are usually between $2 to $5 and are charged to the payer.