Zoho Billing marked an ACH payment as successful and kept the subscription active — even though the payment was later returned by the bank (NSF). There was no update to the invoice or subscription status, and I had to manually clean it all up.

For credit card failures, Zoho automatically moves subscriptions to Dunning and handles it perfectly. But for eCheck returns, the system treats it like a fully cleared payment with no checks afterward.

There really needs to be two-way communication with Authorize.Net (or other gateways) so that when an ACH is returned, the payment is reversed and the subscription is flagged or dunned automatically.

Is this on the roadmap? This seems like a critical gap. most other high-end platforms handle ACH returns automatically. Zoho Billing needs to fix this.