Risk and Compliance
Initiate and manage ACH bank debits with PCE’s secure, compliant API suite.
This page provides a centralized view of PCE’s ACH risk and fraud controls, from real-time fraud prevention to automated blocks, velocity limits, and compliance safeguards. With these features you can minimize returns, prevent unauthorized activity, and manage your cash flow confidently.
Prerequisites
- ACH origination, validation, and monitoring must be enabled on your PCE merchant account
- External Accounts must be created and verified before debiting
Limitations
- Blocking and velocity controls apply per External Account, not per customer profile
Automated Debit Blocks on High Return Rates
Learn how PCE tracks 60-day rolling return rates and blocks accounts for administrative or unauthorized return codes to prevent repeated failures.
Fraud Prevention
Implement clear naming conventions, dynamic descriptors, and entry controls to reduce ACH disputes and unauthorized returns.
Good Funds Model
Understand PCE’s default and configurable “good funds” clearing period, which holds funds until the most common return windows have passed.
Statement Descriptors
Configure concise “Company Name” and “Company Description” fields—within NACHA limits—to maximize customer recognition and minimize disputes.
Velocity Limits
Set proactive per-account caps on transaction count and total dollar volume to mitigate large-scale fraud risks before they occur.
Updated 4 days ago