Which payment method can have disputes filed if there's an authorization issue?

The correct answer is ACH debit because disputes can arise when there are authorization issues with Automated Clearing House (ACH) transactions. ACH is a network used for electronic payments and money transfers. When a consumer believes that an ACH debit was unauthorized or incorrectly processed, they have the ability to dispute that transaction with their bank. This often happens when the customer has not provided explicit consent for the debit or if the amount withdrawn does not match what was agreed upon.

In contrast, credit card transactions also allow for disputes in cases of unauthorized transactions, but the mechanisms and regulations governing disputes for credit cards differ from those for ACH. PayPal transactions have their own specific dispute resolution processes that are reliant on the terms set by PayPal, often involving issues with seller performance or product delivery rather than authorization issues. Mobile payments may use varied underlying networks and methods of authorization, but they do not specifically cater to ACH dispute processes.