ACH returns, reversals, and 1099s
What to do when a bank transfer comes back, and how year-end tax export works.
Returned ACH
If a debit returns after success, remaining balance reopens and Connect pays to that company freeze until the owner acknowledges on the company page. Reverse before the sub’s bank payout from the bill page. After payout.paid, contact support — ACH to a sub’s bank is not a card refund. Disabling Hub mid-transfer does not cancel in-flight payments; it only blocks new Pay with OpsBack clicks.
1099-NEC
The shop is the payer. Export SETTLED/PAID_OUT Connect payments plus recorded outside payments from Reports → 1099. C-corps are excluded by default. OpsBack is not the sub’s employer. Stripe may issue 1099-K above IRS thresholds. Legal and CPA review is required before treating this as production tax filing.