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Can I revoke ACH authorization for my merchant cash advance?
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Yes — revoking ACH authorization is your legal right, and banks are generally required to honor a timely written revocation, so you can lawfully stop the automatic debits. What revoking does not do is eliminate the debt: your merchant cash advance agreement likely treats a stopped payment as an event of default, which can trigger acceleration of the balance and a lawsuit, and funders may attempt to re-present the debits or pull from alternate accounts on file. So revocation is a legitimate, lawful tool — the risk it carries is contractual, not criminal.
Use it as part of a plan, not alone
Revoking ACH works best as part of a broader strategy (alongside reconciliation or settlement); on its own it stops a symptom without resolving the underlying debt, and it can escalate the funder's response. Pairing revocation with a settlement offer gives the funder a path to resolution at the same moment you cut off the debit.
How to revoke properly
Revocation should be in writing, sent to your bank (and ideally the funder), and timed so the bank can act before the next debit. Be aware funders sometimes re-present under slightly different transaction details or pull from a backup account on file — so watch the account closely after you revoke.