# What happened to the debit?

[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.

Some ACH undos are yours to request, and one arrives from the customer's bank whether you asked for it or not.

**Your answers so far**

- How did the customer pay? By ACH bank debit.

**Choose one**

- [I need to stop it, or give the money back.](https://devportal.qa.winkpg.io/docs/decide/cancel-or-refund-a-payment/void-or-refund-the-debit.md): The undo is your decision.
- [The customer's bank sent it back.](https://devportal.qa.winkpg.io/docs/decide/cancel-or-refund-a-payment/handle-the-return.md): The transaction carries a return code such as R01.

- [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.