As mandated by NACHA, ProPay has employed an ACH payment fraud detection system in partnership with Check Commerce. This happened in a phased rollout between March and June 2022.

The intent of this solution is to decline ACH transactions attempted against known closed, invalid/not found, or frozen bank accounts.

With this mechanism, ACH transactions processed through ProPay's SOAP, JSON or XML direct processing APIs will decline by returning a new response status of 221, while those attempted through the ProtectPay tokenized solution will respond with the already-existing ResultCode 133 ("Risk Decline").

We recognize that compliance with this mandate will result in some sub-optimal payer experiences, but we have confidence that it will ultimately save on partner fees and other hassles related to ACH returns. Initial observations since implementing this feature are that the number of declines is low.