---
title: "View bounced checks (ACH returns) in SmartPay"
slug: "view-bounced-checks-ach-returns-in-smartpay"
updated: 2026-10-15T01:00:39Z
published: 2026-10-15T01:00:39Z
canonical: "help.servicetitan.com/view-bounced-checks-ach-returns-in-smartpay"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://help.servicetitan.com/llms.txt
> Use this file to discover all available pages before exploring further.

# View bounced checks (ACH returns) in SmartPay

## Overview

Monitor all bounced checks (ACH returns) to stay compliant with the [National Automated Clearinghouse Association](https://www.nacha.org/) (NACHA). A merchant's administrative and overall ACH return rate can't exceed 3.0% and 15.0% in total ACH activity.

---

### 

#### Who uses this feature

- Technicians
- Account configuration is required. Please contact [Technical Support](/construction/docs/contact-servicetitan-technical-support) for details.

## Things to know

- You will receive a notification from the processor if the account is invalid. Then, go into Smart Pay to check the transaction in question.
- Once the account is confirmed, you can reprocess the payment.

## Common reasons for bounced checks (ACH returns)

The most common reason for bounced checks (ACH returns) is either that an invalid account number is entered by the user or that an account number of a closed account is entered. When you enter the account information, remember:

- The routing number is always 9 digits long
- The account number can vary in length
- Check numbers are optional and should not be included as part of the account number

## View bounced checks

To view bounced checks (ACH returns) in SmartPay:

1. Log into SmartPay.
2. Navigate to **Dashboard**. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/view-bounced-checks-ach-returns-in-smartpay-image-fxhfl9k0.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A42%3A55Z&se=2026-10-31T02%3A42%3A55Z&sr=c&sp=r&sig=WkCokQkmt7enoYeTlT73te3DsUJb1MCZS5ABOPkWJUI%3D)
3. Under *Current Transaction Summary*, click **Invalid / Closed Account**. A list of transactions with *Invalid / Closed Account* errors appears.

> [!NOTE]
> **Note:** Invalid / Closed Accounts are transactions that have been returned because the account number is invalid or the account number belongs to a closed account.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/view-bounced-checks-ach-returns-in-smartpay-image-1d7tjdz4.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A42%3A55Z&se=2026-10-31T02%3A42%3A55Z&sr=c&sp=r&sig=WkCokQkmt7enoYeTlT73te3DsUJb1MCZS5ABOPkWJUI%3D)
4. Click the **View** icon next to the desired transaction. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/view-bounced-checks-ach-returns-in-smartpay-image-jyow4rlk.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A42%3A55Z&se=2026-10-31T02%3A42%3A55Z&sr=c&sp=r&sig=WkCokQkmt7enoYeTlT73te3DsUJb1MCZS5ABOPkWJUI%3D)
5. Click **Show Events.** This opens the event details, where you can view the description of the bounced check. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/view-bounced-checks-ach-returns-in-smartpay-image-tttbhqah.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A42%3A55Z&se=2026-10-31T02%3A42%3A55Z&sr=c&sp=r&sig=WkCokQkmt7enoYeTlT73te3DsUJb1MCZS5ABOPkWJUI%3D)
6. Once you get the updated account and routing number, try running it through ServiceTitan again. You can do that either by going to the [Invoice](/construction/docs/invoice-walkthrough) or [Customer](/construction/docs/customer-and-location-records-overview) page.

> [!NOTE]
> **Note:** If the check is returned for any reason other than an Invalid / Closed Account, you need to click the corresponding status.

## Want to learn more?

- See [Payments overview](/construction/docs/payments-home)