Stop Payments vs Unauthorized Entries – Compliance with the Nacha Operating Rules


Instructor: Donna K Olheiser
Product ID: 704319

  • Duration: 90 Min
This training program will help find answers to many struggles with Stop Payments and Unauthorized Entries. These are still the number one issues in the exception processing of ACH transactions on a daily basis. This 90-minute session will definitely help clear things up on processing unauthorized, authorization revoked and stop payments!
Last Recorded Date: Mar-2023


1 Person Unlimited viewing for 6 month info Recorded Link and Ref. material will be available in My CO Section
(For multiple locations contact Customer Care)

Downloadable file is for usage in one location only. info Downloadable link along with the materials will be emailed within 2 business days
(For multiple locations contact Customer Care)



Customer Care

Fax: +1-650-362-2367

Email: [email protected]

Read Frequently Asked Questions

Why Should You Attend:

Recent “minor Rules changes” made Stop Payments different in the Rules with the language used and what happens with Stop Payments due to Meaningful Modernization. Customer service, frontline and operations staff struggle each day with the question – “What does my account holder want me to do…Stop this payment, return it, they revoked it, -- what are my next steps?” What about Unauthorized Entries – Discussion on the difference between R10 and R11 will be included.

Do you often wonder when to use a Stop Pay form and when to use a Written Statement of Unauthorized Debit (WSUD)? This is YOUR session!

  • Recent UPDATES to the Rules indicate how Meaningful Modernization and subsequent Entries fit into this compliance requirement.
  • Updates to the Rules for using Unauthorized Return Reason Code R11 – changes this process

The trainer will provide scenario examples of your account holder saying they want you to stop a payment, or they revoked it – why is their account being debited or they never authorized a payment that is already posted to their account. The Nacha Operating Rules have specifics for you to follow to be sure you are complying each time you help your account holder with their request(s).

  • Determine the difference with Stop Payment for business accounts.
  • Help identify what form to use and in which situation.
  • What questions and conversations should be taking place between the account holder and the customer service or frontline staff working with them?
  • Key points illustrated in the program in the form of case studies will assist customer service and front-line staff as well as identify details for operations staff.

Areas Covered in the Webinar:

  • Define the rules surrounding Stop Payments
  • What’s changed with Meaningful Modernization and Stop Payments
  • Identify the difference in the rules between a consumer and non-consumer Stop Payment
  • What’s changed with non-consumer Stop Payment timeframe
  • List tips that will help customer service and frontline staff ensure they are asking the right questions of the account holder
  • Outline what an unauthorized transaction is and when to use a Written Statement of Unauthorized Debit (WSUD)
  • Review timeframes for Stop Payments and Unauthorized Payments
  • Define the NEW R11 Return Reason Code and the difference between R11 and R10
  • Illustrate what constitutes an entry to be returned as Authorization Revoked vs. Stop Payment vs. Unauthorized
  • Describe using scenarios – the what, when and how of Stop Payments and Returning Unauthorized Entries

Who Will Benefit:

  • Bank operations staff
  • New employees in the payments industry
  • Bank managers and payment professionals
  • CEO’s and CFO’s
  • Risk, Compliance and Audit personnel
  • Aspiring AAP’s and current AAP’s for AAP CE Credits
Instructor Profile:
Donna K Olheiser

Donna K Olheiser
VP of Education, Dynamic Mastership

Donna K Olheiser, AAP, is the vice president of Education Services and founder of Dynamic Mastership, LLC. She has over 24 years of experience in the financial services industry which includes 9 years' experience as the education service director at a Regional Payments Association (RPA), where she managed and facilitated the entire education program for nearly 800 financial institution members. Prior to that, Ms. Olheiser spent 14 years in various departments with the Federal Reserve Bank of Minneapolis and also holds the Accredited ACH Professional (AAP) designation.

She has designed and facilitated over 100 training sessions each year with her expertise being the rules for companies and financial institutions when processing electronic (specifically ACH) payments, then scheduling the events to facilitate and deliver the material through a variety of venues (webinars, teleseminars, in-person workshops, including regional and national conferences).

Her extensive knowledge, enthusiasm and passion for transferring payment processing knowledge using the adult learning theory is remarkable and has helped many payment professionals perform daily operational tasks including exception processing while remaining compliant with the NACHA Operating Rules. She uses scenarios and examples to bring the learning home, easy to comprehend and apply to life day-to-day ACH processing. Her ability to engage the learner through the entire training event helps the adult learner apply what they've learned during each training session.

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Refund Policy

Our refund policy is governed by individual products and services refund policy mentioned against each of offerings. However in absence of specific refund policy of an offering below refund policy will be effective.
Registrants may cancel up to two working days prior to the course start date and will receive a letter of credit to be used towards a future course up to one year from date of issuance. ComplianceOnline would process/provide refund if the Live Webinar has been cancelled. The attendee could choose between the recorded version of the webinar or refund for any cancelled webinar. Refunds will not be given to participants who do not show up for the webinar. On-Demand Recordings can be requested in exchange. Webinar may be cancelled due to lack of enrolment or unavoidable factors. Registrants will be notified 24hours in advance if a cancellation occurs. Substitutions can happen any time. On-Demand Recording purchases will not be refunded as it is available for immediate streaming. However if you are not able to view the webinar or you have any concern about the content of the webinar please contact us at below email or by call mentioning your feedback for resolution of the matter. We respect feedback/opinions of our customers which enables us to improve our products and services. To contact us please email [email protected] call +1-888-717-2436 (Toll Free).




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