There is NO way to contest an ACH chargeback because the payment was never processed due to the reasons like:
- Insufficient funds
- Account closed
- Incorrect account number
Therefore, there is no money to be sent back to the payer.
All ACH Chargebacks are final, and there is no process to appeal. If a payer has an ACH chargeback, you must work with them directly to resolve the situation.
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