Auto Recon & AP ACH Payments: How to Automate Recon & Still Process Returns?

Hello,

Looking for ideas on how to automate the ACH reconciliation process for AP ACH payments using Process Reconciliation or Automatic Reconciliation and still keep the ability to process ACH returns.

We are in 9.1 and currently using Semi-Manual reconciliation to reconcile ACH payments and we typically do this 3 days in arrears to allow time for returns to post. We find that if we reconcile the ACH payments and then get a return we are unable to unreconcile the ACH payments because the submodules have journal generated. We have automatic jobs that run FSPRECON every morning which reconciles all of our checks and we want to do the same for ACH. To facilitate this we plan to: 1) use a detailed settlement BAI file for our AP bank account and