Sample - Plaid API
POST/signal/return/report

Report an ACH transaction return

Reports a returned ACH transaction that was previously submitted to /signal/evaluate. Supply the matching transaction identifier and the ACH return code so the risk model and rule logic can incorporate the returned payment outcome. You can also provide the time when the return was received from the payment processor.

  • RetriesRetries up to 2×, 500ms backoff, 30s timeout.

5 body fields

Return details for a previously evaluated ACH transaction.

client_idstringoptional
Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
secretstringoptional
Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.
client_transaction_idstringrequired
Must be the same as the `client_transaction_id` supplied when calling `/signal/evaluate`.
return_codestringrequired
Must be a valid ACH return code (e.g. "R01") If formatted incorrectly, this will result in an [`INVALID_FIELD`](https://plaid.com/docs/errors/invalid-request/#invalid_field) error.
returned_atstringoptional
Date and time when you receive the returns from your payment processors, in ISO 8601 format (`YYYY-MM-DDTHH:mm:ssZ`).

2 status codes
200Returns a `request_id` that uniquely identifies the return report.
request_idstringrequired
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
defaultReturned when the request cannot be processed; inspect `error_code`, `error_type`, and `error_message` to identify the problem.
error_typestringrequired
A broad categorization of the error. Safe for programmatic use.
Allowed:INVALID_REQUESTINVALID_RESULTINVALID_INPUTINSTITUTION_ERRORRATE_LIMIT_EXCEEDEDAPI_ERRORITEM_ERRORASSET_REPORT_ERRORBASE_REPORT_ERRORRECAPTCHA_ERROROAUTH_ERRORPAYMENT_ERROR
error_codestringrequired
The particular error code. Safe for programmatic use.
error_code_reasonstringoptional
The specific reason for the error code. Currently, reasons are only supported for OAuth-based item errors; `null` will be returned otherwise. Safe for programmatic use. Possible values: `OAUTH_INVALID_TOKEN`: The user's OAuth connection to this institution has been invalidated. `OAUTH_CONSENT_EXPIRED`: The user's access consent for this OAuth connection to this institution has expired. `OAUTH_USER_REVOKED`: The user's OAuth connection to this institution is invalid because the user revoked their connection.
error_messagestringrequired
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagestringrequired
A user-friendly representation of the error code. `null` if the error is not related to user action. This may change over time and is not safe for programmatic use.
request_idstringoptional
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarrayoptional
In this product, a request can pertain to more than one Item. If an error is returned for such a request, `causes` will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified. `causes` will be provided for the `error_type` `ASSET_REPORT_ERROR` or `CHECK_REPORT_ERROR`. `causes` will also not be populated inside an error nested within a `warning` object.
statusintegeroptional
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
documentation_urlstringoptional
The URL of a Plaid documentation page with more information about the error
suggested_actionstringoptional
Suggested steps for resolving the error
required_account_subtypesarray<string>optional
A list of the account subtypes that were requested via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.
provided_account_subtypesarray<string>optional
A list of the account subtypes that were extracted but did not match the requested subtypes via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.

Error handling

client_transaction_id and return_code are required, and client_transaction_id must match the identifier used with /signal/evaluate and contain 1 to 36 characters. return_code must be a valid ACH return code, and returned_at must use ISO 8601 date-time format when supplied.