---
title: "Create ACH Return"
method: POST
path: "/ach_returns"
tags: ["ach return"]
---

# Create ACH Return

`POST /ach_returns`

:::warning
The features documented here are in a beta state, and this documentation is considered draft material subject to frequent change.
:::

Use this endpoint to create an ACH return in our system.

## Request body

- ACHReturnCreateRequestBody
  - `ach_return` ACHReturnCreateRequest
    - `account_guid` string, required — The unique identifier for the account associated with the transaction. Defined by MX.
    - `account_number_last_four` string — The last 4 digits of the account number used for the transaction by the Originating Depository Financial Institution (ODFI).
    - `ach_initiated_at` string — The date and time when the transaction was initiated by the Originating Depository Financial Institution (ODFI) in ISO 8601 format without timestamp.
    - `corrected_account_number` string — The account number correction reported by the RDFI. Populate only if the `resolution_code` is `NOTICE_OF_CHANGE`.
    - `corrected_routing_number` string — The routing number correction reported by the RDFI. Populate only if the `resolution_code` is `NOTICE_OF_CHANGE`. Must be a valid 9-digit routing number format.
    - `id` string, required — Client-defined identifier for this specific return submission. Allows you to track and reference you requests.
    - `member_guid` string, required — The unique identifier for the member associated with the transaction. Defined by MX.
    - `return_account_number` string — Incorrect account number used in the ACH transaction.
    - `return_code` string, required — The associated ACH return code and notice of change code (for example, R02, R03, R04, R05, R20, NOC). See [Return Codes](/api-reference/platform-api/reference/ach-return-fields#return-codes) for a complete list.
    - `return_notes` string — Notes that you set to inform MX on internal ACH processing.
    - `return_routing_number` string — Incorrect routing number used in the ACH transaction.
    - `returned_at` string — The date and time when the return was reported by the Receiving Financial Depository Institution (RDFI) in ISO 8601 format without timestamp.
    - `sec_code` string — The SEC code (Standard Entry Class Code)–a three-letter code describing how a payment was authorized (for example, `WEB`). See [SEC Codes](/api-reference/platform-api/reference/ach-return-fields#sec-codes) for a complete list.
    - `transaction_amount` number — The amount of the transaction.
    - `transaction_amount_range` number — The transaction amount range, used for impact assessment.
    - `user_guid` string, required — MX-defined identifier for the user associated with the ACH return.

## Response `200`

OK

---

[API](https://skmtc.dev/mx/apis/mx-platform-api.md) · [All operations](https://skmtc.dev/mx/apis/mx-platform-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/mx/mx-platform-api/revisions/b6632646ee89/schema)