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Cancel an ACH transfer

You can cancel an ACH transfer until its debit or credit is sent to the bank (originates). After that, ACH can't be canceled or refunded.
Transfer Cancel until
Bank → wallet The debit originates
Wallet → bank The credit originates
Bank → bank The credit originates

Origination happens at the next ACH cutoff. Canceling a transfer in a transfer group also cancels every transfer after it in the group, but doesn't affect future scheduled transfers.

Cancellations must occur within a specific time frame.

Cancellations must occur within a specific time frame.

To return money after an ACH transfer originates, create a new transfer in the opposite direction. See return funds after an ACH payment originates.

Request a cancellation

Navigate to Transfers in the Dashboard. If a transfer can be canceled, you'll be able to use the Cancel button located near the transfer amount. If the transfer is outside the cancellation window, the cancel button will be grayed out.

Track the cancellation

A cancellation status can be one of pending, completed, or failed. The achDetails object will also show a status of canceled if the transfer has been successfully canceled, along with a canceledOn timestamp.

For bank-to-bank transfers, a cancellation will be pending when the debit transaction has already been originated. Moov waits for the debit to complete and subsequently credits the source wallet before the credit leg is initiated to the destination. If the source does not have a wallet, the destination wallet will be credited and you can initiate a transfer of funds back to the source bank account.

A successful request returns:

{
  "cancellationID": "8df8e13c-3c20-4b4b-b265-796534cf4275",
  "status": "pending",
  "createdOn": "2023-09-09T14:15:22Z"
}

For updates on a pending cancellation, you can subscribe to the cancellation webhooks, or get the cancellation status using the cancellation details GET endpoint.

Webhooks

Subscribe to the following webhook events, which will provide you with relevant cancellation updates:

  • cancellation.created notifies you when the cancellation was successfully created
  • cancellation.updated notifies you when the cancellation was updated
    • pending
    • completed
    • failed