Updates to ACH Return Fees and Terms and Conditions

As part of Moving to Paya EFT Payments there has been a change to how fees are calculated on ACH returns by our payment processor Nuvei.

What is a return?

A return occurs when a transaction is successfully attempted but funds cannot be captured from the payer’s bank account. Common reasons for an ACH return include an invalid bank account number or insufficient funds (NSF) in the payer’s bank account.

What is the change?

Previously, ACH returns were a flat $10.00 fee. Going forward, the return fee will also include the standard percentage fee for your fee schedule. For most clients this will be 0.08%.

For example, a return fee on a $100.00 payment will be $10.80 instead of $100.00.

If you use the Flat ACH fee schedule (no percentage fees on ACH but higher card fees) then there will be no effective change to ACH return fees.

When will this go into effect?

This change formally goes into effect May 1, 2026, but these fees may have been applied to returns prior to that date. If any extra fees were applied, Nuvei will refund those fees.

How will I be notified of the change?

The following notice announcing this change will be mailed to merchants at the end of March 2026. It also includes updated Terms & Conditions for ACH processing, primarily to reflect a name change from Paya ACH to Nuvei ACH.

Notice of Fee Update and Ame... to Terms and Conditions 03.2026.pdf

If you have any questions please don’t hesitate to contact CDM+ support by clicking Contact Support on this page.