Return processing generates a Return Reference and the status of Return transaction is tracked during the processing. Activation date for Return transaction is processing date.

Settlement date of the Return transaction is also processing date, provided the original transaction value date is not in future. If the original transaction value date is in future, the Return Settlement Date is same as original transaction Value Date.

Return Days Validation

Return days as maintained in ACH DD Receipts preferences-Return preference tab (Function ID: PZDINPRF) is considered. The Return Days are added to Value Date of the original transaction for arriving at the date till which return is allowed. Return days are counted as Network working days. If the last allowed date is a branch holiday then it is moved backward to nearest branch working day. If the Activation Date derived is later than this date, Return days validation fails.

If there is no maintenance available for Return days, this validation is skipped. you can do external validation for Return days in this case. Hook is provided for external validation similar to ACH CT Receipts return.

Sanctions Check

If Sanctions check is applicable for the Network and Source and for the customer, system checks whether sanctions Retry Days maintained in Host Parameters (Function ID PMDHSTPR), is over after the Sanctions screening is done for the original transaction.

If no sanction screening is done for the original transaction or if retry days are over, the Return transaction is sent for sanction screening.

Depending on the sanctions response status the following action is taken:

Accepted/ Rejected: If the response is received as Accepted/Reject on the same day, the Return transaction sanctions status is updated accordingly and the processing continues with the next step i.e. accounting.

If the response is received on a later date, the return transaction processing date is updated as current branch date if it is a branch and network working day. If current branch date is a branch or network holiday, the processing date is moved to next possible working day for Branch and Network.

Return Accounting

No Accounting is applicable.

Transaction Status Update

On completion of the Return accounting, original transaction status is updated as 'Returned' and the return transaction status as 'Processed'.

Information Reporting/Notification XML generation

System generates Information Reporting/Notification XML generation in the existing generic formats on completion of the Return transaction processing.

Generation of pacs.004 Message

Dispatch is applicable only if 'Dispatch Allowed' is maintained as 'Yes' in ACH DD Receipts Preferences (Function ID: PZDINPRF). On reaching the next dispatch cycle, system generates pacs.004 of all pending Return for dispatch.

For Dispatch accounting, Accounting Code is fetched from the Return tab of ACH DD Receipts Preferences screen (Function ID PZDINPRF).

Dispatch Message Generation

If Dispatch is allowed for Returns in ACH DD Receipts preferences, then Return message is generated in pacs.004.001.09 format.

The original transaction details populated in pacs.004 have the transaction details as received in pacs.003 without considering any enrichment done by the system like account/bank redirection, special character replacement or any generic replacement/repair done for the transaction.

Pacs.004 message is picked up based on the dispatch cycle maintained in Dispatch parameters for the Dispatch file type 'DD Receipts - Return'.