E-Check payments may occasionally be returned or voided by a customer’s bank. When this happens, SmartMoving automatically detects the chargeback and updates the related job or account to reflect the change.
What Is an E-Check Chargeback?
An E-Check chargeback occurs when a bank reverses an E-Check payment after it has been submitted. This can happen for several reasons, including:
Insufficient funds
Invalid account information
A payment being voided by the bank
Because E-Check payments are processed through ACH networks, chargebacks may occur several days after the original payment is made.
How SmartMoving Handles E-Check Chargebacks
When an E-Check chargeback or voided payment is detected, SmartMoving automatically:
Marks the payment as Chargedback or Voided
Updates the job or storage account balance
Removes the payment from any invoices it was applied to
Notifies the appropriate user by email
These updates help reduce the need for manual tracking and reconciliation.
Timelines to Be Aware Of
E-Check payments do not settle instantly.
Initial payment submission may appear successful
Chargebacks can occur days later once the bank completes processing
SmartMoving updates the payment status as soon as a reversal is detected
Because of this delay, it’s important to monitor payment status rather than assuming all E-Check payments have fully cleared immediately.
Notifications and Alerts
When a chargeback or voided payment occurs:
An email notification is sent to the user or job owner
The notification includes a link to the affected job or opportunity
Payment status is updated directly in SmartMoving
This ensures users are aware of reversals as soon as they happen.
How Balances Are Updated
When a chargeback occurs:
The original payment is no longer counted toward the balance
The remaining amount due is recalculated automatically
Any related invoices are updated to reflect the outstanding balance
These updates apply to both Moving and Storage transactions.
What This Means for Your Team
With E-Check chargeback handling built into SmartMoving:
Movers no longer need to check external systems for bounced payments
Accounting teams have clearer visibility into reversals
Payment records remain accurate and up to date