From Return File to Resolution
WhizFlow handles the full ACH return lifecycle — detection, classification, routing, and notification.
Return Detected
Return files from your bank arrive via SFTP and are picked up instantly.
Parsed & Classified
Each return is parsed by return code (R01, R02, R10, etc.) and classified by severity and resolution path.
Client Notified
Configured contacts at the affected client bureau are notified with the return details and resolution steps.
Logged & Tracked
Every return event is logged in the audit trail and tracked to resolution — no loose ends.
Stop Manually Processing Returns
Return Code Routing
Configure different notification and escalation paths per return code — R01 administrative returns get routed differently than R10 unauthorized debits.
Configurable Notifications
Set who gets notified per client — payroll manager, controller, or bureau staff. Include the return details and suggested next steps.
Return File Parsing
Native NACHA format parsing extracts all return details — return reason, original transaction, effective date, and amount.
Exception Queue
Returns that require manual review surface in a dedicated queue — so nothing gets missed in a busy day.
Full Audit Trail
Every return event is logged permanently — including the original transaction reference, return code, notification sent, and resolution status.