--- title: Cancelling a Loaded Direct Debit or ACH Payment description: This article explains how to cancel a loaded Direct Debit or ACH Payment. --- [Skip to content](https://kb.clouddepot.com/knowledge/cancel-a-loaded-direct-debit-or-ach-payment#main-content) English Show submenu for translations ![CoudDepot\_LOGO\_RGB.png\]](https://kb.clouddepot.com/hs-fs/hubfs/CoudDepot_LOGO_RGB.png?height=40&name=CoudDepot_LOGO_RGB.png) - [Read Our Blog](https://blog.clouddepot.com/) Open main navigation Close main navigation - [Read Our Blog](https://blog.clouddepot.com/) - English Show submenu for translations - [Go to clouddepot.com](https://www.clouddepot.com/) [Go to clouddepot.com](https://www.clouddepot.com/) Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Cloud Depot Knowledge Base](https://kb.clouddepot.com/knowledge?hsLang=en) 2. [Product - Recurring Payment Service (RPS)](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en) 3. [Payment Rules & Auto Pay](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#payment-rules-auto-pay) # Cancelling a Loaded Direct Debit or ACH Payment ## There are times when a payment is triggered accidentally or for the wrong amount. This guide explains how to attempt a cancellation before the funds are officially processed by the gateway. Payments via WorldPay (Payrix) are generally picked up for processing by Payrix at approximately 10:00 a.m. AEST and again at 2:00 p.m. AEST. GoCardless payments are typically processed at the close of the business day. #### 1. The "Window of Opportunity" Whether you can cancel a payment depends entirely on its current status. Once a payment is sent to the bank, it cannot be stopped and must be handled as a refund instead. - **Eligibility:** You can only cancel a transaction if it is still in the **"Loaded"** status. If the status has moved to "Pending" or "Settling," the cancellation window has closed. --- #### 2. How to Cancel a Transaction 1. Navigate to **Recurring Payments \> Transactions -\> Select Transaction** 2. Locate the specific customer transaction you wish to stop. 3. Click on the **Transaction Entry** to open the details. 4. Look for the **"Cancel Payment"** button. - *Note: If this button is not visible, the payment has already been picked up by the gateway for processing. **![](https://kb.clouddepot.com/hs-fs/hubfs/image-png-Nov-30-2023-09-53-16-7321-PM.png?width=357&height=145&name=image-png-Nov-30-2023-09-53-16-7321-PM.png)*** --- #### 3. Understanding the Outcome - **Successful Cancellation:** If the request is accepted by the gateway, the transaction status in Cloud Depot will change to **Failed**. No funds will be drawn from the customer's account. - **Unsuccessful Cancellation:** If the gateway has already initiated the transfer, the cancellation will fail. The payment will proceed as normal, and you will need to issue a **Manual Refund** to the customer once the funds have settled in your account. --- #### 4. Best Practices to Avoid Accidental Payments To minimize the need for emergency cancellations, we recommend: - **Reviewing the Payment Window:** Setting your [Auto Payment Window](https://kb.clouddepot.com/knowledge/configuring-auto-payment-hours-rps?hsLang=en) to a time when your staff is active and can spot errors.     - [Product - Autotask to Xero](https://kb.clouddepot.com/knowledge/product-autotask-to-xero?hsLang=en#main-content) - [Getting Started](https://kb.clouddepot.com/knowledge/product-autotask-to-xero?hsLang=en#getting-started) - [Setup](https://kb.clouddepot.com/knowledge/product-autotask-to-xero?hsLang=en#setup) - [Troubleshooting](https://kb.clouddepot.com/knowledge/product-autotask-to-xero?hsLang=en#troubleshooting) - [Product - Recurring Payment Service (RPS)](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#main-content) - [Getting Started](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#getting-started) - [Customers & Invoices](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#customers-invoices) - [Payment Rules & Auto Pay](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#payment-rules-auto-pay) - [Customer Portal](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#customer-portal) - [Surcharges](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#surcharges) - [Payment Gateways](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#payment-gateways) - [Troubleshooting](https://kb.clouddepot.com/knowledge/product-recurring-payment-service-rps?hsLang=en#troubleshooting) - [Product - HostedPay](https://kb.clouddepot.com/knowledge/product-hostedpay?hsLang=en) - [Integrations](https://kb.clouddepot.com/knowledge/integrations?hsLang=en#main-content) - [Xero](https://kb.clouddepot.com/knowledge/integrations?hsLang=en#xero) - [Autotask](https://kb.clouddepot.com/knowledge/integrations?hsLang=en#autotask) - [HaloPSA](https://kb.clouddepot.com/knowledge/integrations?hsLang=en#halopsa) - [Support, security & updates](https://kb.clouddepot.com/knowledge/support-security-updates?hsLang=en) - [Billing and Accounting](https://kb.clouddepot.com/knowledge/billing-and-accounting?hsLang=en) - [Setting up Cloud Depot](https://kb.clouddepot.com/knowledge/setting-up-cloud-depot?hsLang=en) - [Cloud Depot Status and Contacting Support](https://kb.clouddepot.com/knowledge/cloud-depot-status-and-contacting-support?hsLang=en#main-content) - [View Service Status](https://kb.clouddepot.com/knowledge/cloud-depot-status-and-contacting-support?hsLang=en#view-service-status) - [Support](https://kb.clouddepot.com/knowledge/cloud-depot-status-and-contacting-support?hsLang=en#support) - [Sync Customization Documentation](https://kb.clouddepot.com/knowledge/sync-customization-documentation?hsLang=en) - [Read Our Blog](https://blog.clouddepot.com/) # Cloud Depot Cloud Depot Help Center Copyright © 2026, Cloud Depot