# Handle the return; it isn't a refund

[Cancel or refund a payment](https://devportal.qa.winkpg.io/docs/decide/cancel-or-refund-a-payment.md): Whether undoing a payment is a void, a reversal, or a refund, and what each one does to the money and to your records.

The receiving bank refused the debit and pulled the money back. There's nothing for you to undo.

**Your answers so far**

- How did the customer pay? By ACH bank debit.
- What happened to the debit? The customer's bank sent it back.

**What to build**

Record the return code and reason the transaction carries, and mark the order unpaid. Don't send a refund: the bank already took the funds back, and a returned debit no longer offers one. When you still need the money, the next step is a new debit once you have account details that work.

**Worth knowing**

- A return can arrive days after the debit reported as settled. That's a late return, and it's normal for ACH.
- Subscribe to Transaction.Returned so a return reaches your systems without anyone checking a screen.
- Drive a return in the sandbox before you go live, rather than waiting days for a real one.

**Where to go next**

- [ACH payments](https://devportal.qa.winkpg.io/docs/guides/ach-payments.md)
- [Simulate an ACH return](https://devportal.qa.winkpg.io/docs/blueprints/simulate-an-ach-return.md)
- [Accept an ACH payment](https://devportal.qa.winkpg.io/docs/blueprints/accept-an-ach-payment.md)

- [Start over](https://devportal.qa.winkpg.io/docs/decide/cancel-or-refund-a-payment.md): go back to the first question.

## See also

- [All documentation](https://devportal.qa.winkpg.io/llms.txt): the machine-readable index of every public page on this site.