Payments, recurring & refunds

Bank payments use Plaid Transfer: an authorization (risk decision), then the transfer itself, with events tracked until settlement.

ACH classes

Class	Use for	Direction
web	Consumer authorizes online (default)	Debits only
tel	Consumer authorizes by phone	Debits only
ppd	Consumer with a standing/signed authorization; consumer payouts	Debits and credits
ccd	Business accounts (B2B); requires a business name	Debits and credits
auto	CCD when a business name is given, otherwise the site default	—

Mandates

Every debit stores the exact authorization text the customer accepted, with time, IP and user agent. Edit the wording in Settings → Payments and have counsel review it before going live.

Risk checks

With Signal enabled, BankBridge evaluates your ruleset result, the bank-initiated return-risk score, or — for balance-only rulesets — the available balance against the amount, and blocks risky debits before money moves.

Recurring payments

• Created with [bankbridge_pay recurring="week|month"] or from integrations (GiveWP, Restrict Content, EDD Recurring).
• Weekly on day 1–5 (Mon–Fri) or monthly on 1–28, or -1…-5 counted from month end. every sets the interval count.
• Start dates are in the future (tomorrow by default); ends is optional.
• Customers cancel from [bankbridge_accounts]; admins from Transfers → Recurring payments.
• Hard returns (R02, R03, R04, R05, R07, R08, R10, R16, R20, R29) stop the schedule.

Statuses

Status	Meaning
pending	Created, not yet sent to the network
posted	Sent to the ACH network
settled	Funds settled
funds_available	Funds released to your account
returned / failed	Bank returned or rejected it
cancelled	Cancelled before posting
declined	Authorization declined (e.g. NSF risk)

Refunds

Refund settled transfers from BankBridge → Transfers (or the WooCommerce order). Partial refunds are supported. Unknown transfers created outside BankBridge (Dashboard, recurring runs) are adopted automatically.