Click on the [Returned] payment notice to see the transaction details. Step 2: You will need to determine the cause of the return, and the action to take. Click on the [Return Code] located under the [Status/Code/Merch type] column to see the reason the EFT was returned and the action you need to take.
Debit card transactions skip an intermediary and link directly to a bank or financial institution. Most transactions deduct payments in real time. For example, if you swipe a debit card at a retail store, the merchant service verifies with your financial institution that the funds are available and approves or denies the transaction.