I'm looking for information from those of you who are familiar with
processing the (inbound) 820 payment/remittance transaction. 
Specifically, I'm looking for advice on how the 820 should (or should
not) be used in processing payments reversals.

Here's the scenario -
We receive the 820 (through our bank) from multiple sources which
include various payment processing centers.
At times these processing centers need to remit a reversal or adjustment
to a previous payment for various reasons (usually an ACH rejection).
Currently we handle this by interpreting pre-established codes within
the RMR 03 (Payment action code)  and deciding whether or not the amount
in the RMR04 should be credited, reversed, or adjusted to the customer
account.
Now, they would like to have the actual ACH return code to be included
along with the reversal information.  Is this an accepted practice to
pick and choose a segment (REF?) to place this information? Does anyone
out there have experience implementing this type of processing on the
820?  

Thanks in advance for your responses...
Colleen

Colleen Dickey
IT Enterprise Systems Integration
Electronic Data Interchange 
(503) 813-6475


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