openapi: 3.1.0
info:
  title: Wells Fargo Account Transactions Accounts Payment Returns API
  description: The Wells Fargo Account Transactions API enables treasury management customers to search and retrieve transaction data from the current day through 180 days prior. The API supports ACH, Wire, and RTP/Instant Payment transactions with unique transaction IDs, intraday and previous day reporting, and pagination for high-volume transaction retrieval. Authentication uses OAuth 2.0 bearer tokens obtained through the Wells Fargo Developer Portal.
  version: '3.0'
  contact:
    url: https://developer.wellsfargo.com/documentation/api-references/account-transactions/v3/transaction-detail-api-ref-v3
servers:
- url: https://api.wellsfargo.com
tags:
- name: Payment Returns
  description: ACH return and NOC (Notification of Change) processing.
paths:
  /v2/ach/returns:
    get:
      operationId: listAchReturns
      summary: List ACH Returns
      description: Retrieves ACH returns and Notifications of Change (NOC) for the authenticated customer, including return reason codes, original transaction details, and resolution guidance.
      tags:
      - Payment Returns
      parameters:
      - name: startDate
        in: query
        description: Filter returns from this date.
        schema:
          type: string
          format: date
      - name: endDate
        in: query
        description: Filter returns up to this date.
        schema:
          type: string
          format: date
      - name: returnType
        in: query
        description: Filter by return type (RETURN or NOC).
        schema:
          type: string
          enum:
          - RETURN
          - NOC
      security:
      - oauth2:
        - payments:read
      responses:
        '200':
          description: ACH returns returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AchReturnListResponse'
        '401':
          description: Unauthorized.
components:
  schemas:
    AchReturnListResponse:
      type: object
      properties:
        returns:
          type: array
          items:
            type: object
            properties:
              returnId:
                type: string
              originalPaymentId:
                type: string
              returnType:
                type: string
                enum:
                - RETURN
                - NOC
              returnCode:
                type: string
              returnReason:
                type: string
              returnDate:
                type: string
                format: date
              amount:
                type: number
                format: double
  securitySchemes:
    oauth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://api.wellsfargo.com/oauth2/token
          scopes:
            accounts:read: Read account information and balances
            transactions:read: Read transaction history and details