v51

latestOpenAPI 3.0.0raw.githubusercontent.com2026-07-313352,3122.9 MB

plaid

Report a return for an ACH transaction

Call the /signal/return/report endpoint to report a returned transaction that was previously sent to the /signal/evaluate endpoint. Your feedback will be used by the model to incorporate the latest risk trends into your scores and tune rule logic. If using a Balance-only ruleset, this endpoint will not impact scores (as Balance does not use scores), but is necessary to view accurate transaction outcomes and tune rule logic in the Dashboard.

post/signal/return/report

Request body

client_idstring

Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.

secretstring

Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.

client_transaction_idstring required

Must be the same as the client_transaction_id supplied when calling /signal/evaluate.

return_codestring required

Must be a valid ACH return code (e.g. "R01")

If formatted incorrectly, this will result in an INVALID_FIELD error.

returned_atstring date-time nullable

Date and time when you receive the returns from your payment processors, in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ).

Response

request_idstring required

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.