These scenarios are rare, but technically possible based on the framework of how ACH works. While Payload conducts account verification at the time of payment, the sending bank has 2-3 business days to ultimately approve or reject the transfer. Visit our Reject Reasons article for more information.
If rejected, please note the funds would never have posted to the customer's account.
If you need to stop this from happening in the future, Payload can delay your deposit until the funds fully clear. If you would like to make this change, please contact us at help@payload.co.