How to Void or Stop a Payment

Overview

You may need to cancel a payment after it has been submitted. Whether this is possible depends on the payment status and timing.

In general, you can only void or stop a payment before it reaches the debit/processing stage. Once funds are in motion, cancellation becomes limited or may require a refund process.

When You Can Void a Payment

You can typically void a payment if it is:

• Still in Pending / Approved / early Processing
• Has not yet been debited
• Has not been sent to the vendor

Timing Guidance

Before 3:00 PM ET (1:00 PM MT) — Best window to void

• Payment is usually still in an early stage
• ✅ High success rate for voiding or stopping

When You May Not Be Able to Void

After the cutoff time or once processing advances, payments may move into:

• Debit Request
• Sent to Check Printer
• ACH Credit Issued

At this point:

• ⚠️ Voids may fail or require manual intervention
• ⚠️ Stop payment requests may involve a fee
• ⚠️ You may need to handle the situation as a refund instead

When You Cannot Void a Payment

You generally cannot cancel a payment if:

• Funds have already been debited
• ACH has been sent
• A check has been printed or mailed

At this stage:

• ❌ Payments cannot be truly voided
• Options may include:
  • Submitting a stop payment request (check payments only, may include a fee)
  • Waiting for the payment to complete and then issuing a refund

Stop Payment Requests

If a payment is already in progress:

• A stop payment request may be submitted
• This may involve a fee
• Success is not guaranteed and depends on timing

Best Practice

Always review payments carefully before approval.
Once submitted—especially after the daily cutoff—cancellation options become limited and less predictable.