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class=\"task task0\"></rect><rect id=\"diagram-03b3cace7cfdde7790ae90826cf7433ac52939a3d24179f8398558dd307984be-b1\" rx=\"3\" ry=\"3\" x=\"75\" y=\"122\" width=\"29\" height=\"20\" transform-origin=\"89.5px 132px\" class=\"task task1\"></rect><rect id=\"diagram-03b3cace7cfdde7790ae90826cf7433ac52939a3d24179f8398558dd307984be-a2\" rx=\"3\" ry=\"3\" x=\"104\" y=\"74\" width=\"59\" height=\"20\" transform-origin=\"133.5px 84px\" class=\"task task0\"></rect><rect id=\"diagram-03b3cace7cfdde7790ae90826cf7433ac52939a3d24179f8398558dd307984be-b2\" rx=\"3\" ry=\"3\" x=\"104\" y=\"146\" width=\"59\" height=\"20\" transform-origin=\"133.5px 156px\" class=\"task task1\"></rect><text id=\"diagram-03b3cace7cfdde7790ae90826cf7433ac52939a3d24179f8398558dd307984be-a1-text\" font-size=\"11\" x=\"109\" y=\"63.5\" class=\"taskTextOutsideRight taskTextOutside0  width-114.640625\">Transaction submitted       </text><text 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sectionTitle0\"><tspan alignment-baseline=\"central\" x=\"10\">Debit (payment)</tspan></text><text dy=\"0em\" x=\"10\" y=\"146\" font-size=\"11\" class=\"sectionTitle sectionTitle1\"><tspan alignment-baseline=\"central\" x=\"10\">Credit (payout)</tspan></text></g><g class=\"today\"><line x1=\"3864\" x2=\"3864\" y1=\"25\" y2=\"195\" class=\"today\"></line></g><text x=\"952\" y=\"25\" class=\"titleText\">ACH return windows</text></svg>"},"children":["---\nconfig:\n  theme: 'neutral'\n---\ngantt\n    title ACH return windows\n    dateFormat  YYYY-MM-DD\n    axisFormat  %a\n\n    section Debit (payment)\n    Transaction submitted       :a1, 2026-03-25, 1d\n    Standard return window      :a2, after a1, 2d\n    Unauthorized return (R10)   :a3, 2026-03-25, 60d\n\n    section Credit (payout)\n    Transaction submitted       :b1, 2026-03-25, 1d\n    Standard return window      :b2, after b1, 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transform=\"translate(-72.171875, -12)\"><foreignObject width=\"144.34375\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>completed / settled</p></span></div></foreignObject></g></g><g class=\"edgeLabel\" transform=\"translate(586.08203125, 465.75)\"><g class=\"label\" data-id=\"L_C_E_0\" transform=\"translate(-20.6015625, -12)\"><foreignObject width=\"41.203125\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>failed</p></span></div></foreignObject></g></g><g class=\"edgeLabel\" transform=\"translate(138, 691.53125)\"><g class=\"label\" data-id=\"L_E_F_0\" transform=\"translate(-80.8828125, -12)\"><foreignObject width=\"161.765625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>R01 Insufficient funds</p></span></div></foreignObject></g></g><g class=\"edgeLabel\" transform=\"translate(448, 691.53125)\"><g class=\"label\" data-id=\"L_E_G_0\" transform=\"translate(-96.390625, -12)\"><foreignObject width=\"192.78125\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>R02/R03/R04 Bad account</p></span></div></foreignObject></g></g><g class=\"edgeLabel\" transform=\"translate(724.1640625, 691.53125)\"><g class=\"label\" data-id=\"L_E_H_0\" transform=\"translate(-68.25, -12)\"><foreignObject width=\"136.5\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>R08 Stop payment</p></span></div></foreignObject></g></g><g class=\"edgeLabel\" transform=\"translate(997.828125, 691.53125)\"><g class=\"label\" data-id=\"L_E_I_0\" transform=\"translate(-67.2578125, -12)\"><foreignObject width=\"134.515625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>R10 Unauthorized</p></span></div></foreignObject></g></g></g><g class=\"nodes\"><g class=\"node default\" id=\"diagram-c67bd4026d388e0943e9d0917199ad201f4ec824a55e94291696dcd3a873597a-flowchart-A-0\" data-look=\"classic\" transform=\"translate(471.5625, 47)\"><rect class=\"basic label-container\" style=\"\" x=\"-130\" y=\"-39\" width=\"260\" height=\"78\"></rect><g class=\"label\" style=\"\" transform=\"translate(-100, 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transform=\"translate(-68.25, -12)\"><foreignObject width=\"136.5\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>R08 Stop payment</p></span></div></foreignObject></g></g><g class=\"edgeLabel\" transform=\"translate(997.828125, 691.53125)\"><g class=\"label\" data-id=\"L_E_I_0\" transform=\"translate(-67.2578125, -12)\"><foreignObject width=\"134.515625\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" class=\"labelBkg\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"edgeLabel\"><p>R10 Unauthorized</p></span></div></foreignObject></g></g></g><g class=\"nodes\"><g class=\"node default\" id=\"diagram-8215c2257a1c81c60d6ab03822d2e177038fb166f056de40e6365f182b67bcc1-flowchart-A-0\" data-look=\"classic\" transform=\"translate(471.5625, 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table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Poll transaction state</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-8215c2257a1c81c60d6ab03822d2e177038fb166f056de40e6365f182b67bcc1-flowchart-C-3\" data-look=\"classic\" transform=\"translate(471.5625, 334.375)\"><polygon points=\"94.375,0 188.75,-94.375 94.375,-188.75 0,-94.375\" class=\"label-container\" transform=\"translate(-93.875, 94.375)\"></polygon><g class=\"label\" style=\"\" transform=\"translate(-67.375, -12)\"><rect></rect><foreignObject width=\"134.75\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>transaction_state?</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-8215c2257a1c81c60d6ab03822d2e177038fb166f056de40e6365f182b67bcc1-flowchart-D-5\" 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-12)\"><rect></rect><foreignObject width=\"97.78125\" height=\"24\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table-cell; white-space: nowrap; line-height: 1.5; max-width: 200px; text-align: center;\"><span class=\"nodeLabel\"><p>Return code?</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-8215c2257a1c81c60d6ab03822d2e177038fb166f056de40e6365f182b67bcc1-flowchart-F-9\" data-look=\"classic\" transform=\"translate(138, 767.53125)\"><rect class=\"basic label-container\" style=\"\" x=\"-130\" y=\"-39\" width=\"260\" height=\"78\"></rect><g class=\"label\" style=\"\" transform=\"translate(-100, -24)\"><rect></rect><foreignObject width=\"200\" height=\"48\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table; white-space: break-spaces; line-height: 1.5; max-width: 200px; text-align: center; width: 200px;\"><span class=\"nodeLabel\"><p>Retry in a few days or contact customer</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-8215c2257a1c81c60d6ab03822d2e177038fb166f056de40e6365f182b67bcc1-flowchart-G-11\" data-look=\"classic\" transform=\"translate(448, 767.53125)\"><rect class=\"basic label-container\" style=\"\" x=\"-130\" y=\"-39\" width=\"260\" height=\"78\"></rect><g class=\"label\" style=\"\" transform=\"translate(-100, -24)\"><rect></rect><foreignObject width=\"200\" height=\"48\"><div xmlns=\"http://www.w3.org/1999/xhtml\" style=\"display: table; white-space: break-spaces; line-height: 1.5; max-width: 200px; text-align: center; width: 200px;\"><span class=\"nodeLabel\"><p>Request updated bank details</p></span></div></foreignObject></g></g><g class=\"node default\" id=\"diagram-8215c2257a1c81c60d6ab03822d2e177038fb166f056de40e6365f182b67bcc1-flowchart-H-13\" data-look=\"classic\" transform=\"translate(724.1640625, 767.53125)\"><rect class=\"basic label-container\" style=\"\" x=\"-96.1640625\" y=\"-27\" width=\"192.328125\" height=\"54\"></rect><g class=\"label\" 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monitor_ach_transaction(txn_id, max_checks=10, interval=3600):\n    \"\"\"Poll an ACH transaction until it settles or fails.\"\"\"\n    for _ in range(max_checks):\n        resp = requests.get(\n            f\"{BASE}/v1/transactions/{txn_id}\",\n            headers={\"APIKEY\": API_KEY},\n        )\n        txn = resp.json()\n        state = txn[\"transaction_state\"]\n\n        if state in (\"completed\", \"settled\"):\n            return {\"status\": \"success\", \"transaction\": txn}\n\n        if state == \"failed\":\n            return {\n                \"status\": \"returned\",\n                \"message\": txn.get(\"response_message\", \"ACH return\"),\n                \"transaction\": txn,\n            }\n\n        time.sleep(interval)\n\n    return {\"status\": \"timeout\", \"message\": \"Transaction still 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