You’ve got a ton of this wrong - it is extremely hard to reverse an ach, doubly so if the receiving side of the reversal disagrees. They recently increased pena

You’ve got a ton of this wrong - it is extremely hard to reverse an ach, doubly so if the receiving side of the reversal disagrees. They recently increased penalties to 500,000 per occurrence for improper reversals, and banned all reversals for non white listed reasons