Automating the Unseen: What Happens When an ACH Payment Fails

When an ACH payment bounces, it leaves behind a small mess that most teams clean up manually. The payment looks complete in your general ledger, but it isn’t. The customer may never see a failed notice, and your reconciliation starts to drift.

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Centime’s ACH Failure Notification and Auto-Void feature closes that loop. It connects what happens in your payment system with what’s recorded in your books.

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When a failure occurs, Centime AR identifies it instantly and alerts both you and the customer. You can decide whether failed payments void automatically in your GL or require manual review. If Auto-Void is enabled, the related invoice is voided or deleted immediately, keeping your ledger accurate without additional effort.

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Configure Auto-Void preferences in Centime AR settings.

This might sound minor, but for teams that handle dozens of ACH transactions a day, it prevents a chain of small inconsistencies that can snowball into larger reconciliation issues.

Automation That Respects Control

In finance operations, automation is only as valuable as the control it gives back. The Auto-Void setting lets you decide the level of automation you’re comfortable with. Some teams want full automation for efficiency. Others prefer to review failures manually before voiding them.

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Centime supports both approaches. You still get the same visibility and notification detail regardless of which mode you choose.

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For teams on NetSuite, Sage Intacct, or QuickBooks, that flexibility matters. Each ERP treats payment reversals differently, and this configuration works within your existing structure rather than overwriting it.

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Cleaner Books, Fewer Surprises

Every failed ACH might only take a few minutes to fix, but they add up. When that process is handled automatically, those small recoveries compound into cleaner, more reliable books. It’s the type of accuracy that doesn’t announce itself, but you notice it at month-end when everything reconciles the first time.

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A Note for Accounting Teams

Currently, the Automatic Voiding feature supports voiding and deletion of invoices. It’s built for precision, not broad-stroke corrections.

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Accurate AR data isn’t about new dashboards or alerts. It’s about reducing the invisible work that happens after a failure. This feature handles that work quietly and completely, leaving your team focused on what actually drives cash flow.

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If you want to learn more about Centime’s ACH failure notifications, book a demo here.

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**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.

^††2.75% Annual Percentage Yield (APY) as of 09/24/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.

*Centime is not a bank and is not authorized by any federal or state agency to engage directly in core banking activities.
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*All banking products and services available through Centime are provided by FNBO and are governed by the applicable agreements and related disclosures provided to you by FNBO. Member FDIC.
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‍*While Centime facilitates traditional banking activities (such as the acceptance of deposits or extensions of credit), these services are actually provided by our banking partner, FNBO.
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*Centime may provide support services to FNBO, as permitted by applicable law, to facilitate the delivery of its bank products and services.

**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network bank

Automating the Unseen: What Happens When an ACH Payment Fails

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