Clover ACH Reject Fee: Why You're Being Charged and How to Prevent It

ACH reject fees add frustration to an already stressful situation. Your payment failed, and now you're being charged extra for it. Let's figure out why this happened and how to prevent it from happening again.

Quick Fixes to Try Right Now

Understand Why ACH Payments Fail

Common reasons: insufficient funds, closed account, incorrect account/routing numbers, frozen accounts, or exceeded daily limits. Check with your bank to identify the specific reason.

Verify Your Bank Account

Log into your Clover/processor portal and verify your linked bank account details are correct. A single digit error can cause rejects. Re-link your account if necessary.

Ensure Sufficient Balance

Set up account alerts for low balances. Know when your processor debits fees (usually early morning). Keep a buffer in your account to prevent NSF rejects.

Negotiate Fee Refund

If this is your first reject or was caused by a bank error, call your processor and request a fee refund. Many will waive the first offense as a courtesy.

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Frequently Asked Questions

What is an ACH reject fee?

An ACH reject fee is charged when an ACH (electronic bank transfer) fails to process. This typically occurs when your processor attempts to withdraw fees and the transaction is rejected by your bank.

How much is the Clover ACH reject fee?

ACH reject fees typically range from $25-50 per occurrence. Some processors charge additional fees for repeated rejects. Check your merchant agreement for your specific fee amount.

Can ACH reject fees be waived?

Often yes, especially for first-time occurrences or bank errors. Call your processor's customer service, explain the situation, and request a one-time waiver. Keep records of any bank errors to support your case.

How do I prevent ACH rejects?

Maintain sufficient account balance, verify bank account details are correct, set up low balance alerts, and consider linking a backup account. Keeping a small buffer specifically for processor fees helps avoid surprises.