> For the complete documentation index, see [llms.txt](https://help.receivabl.es/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.receivabl.es/my-customers/can-a-customer-dispute-or-reverse-an-ach-payment.md). # Can a customer dispute or reverse an ACH payment? Yes, a customer can dispute an ACH payment. Account holders of personal accounts have 60 days to raise a dispute, while business accounts have 2 days. If a dispute is raised the transfer in question will be refunded, and you will be charged the failed transfer fee. There is no way to contest this reversal, so you will need to resolve the situation directly with your customer. To avoid unnecessary reversals it is important to inform your customer that when they pay an invoice via electronic funds transfer a debit will be made to their bank account with a description as detailed in [this answer](/my-customers/what-does-a-payment-look-like-on-my-customers-bank-statement.md). --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://help.receivabl.es/my-customers/can-a-customer-dispute-or-reverse-an-ach-payment.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.