What is a reversal?

A reversal is taking back a payment you already originated, using the rail’s reversal process. In ACH, the ODFI can reverse a credit sent in error under Nacha rules and deadlines. It is not a customer refund and not a return. Your book still needs a new post the other way.

How does a reversal work?

You discover a duplicate or a wrong amount after the credit left. The rail lets you file a reversal for a short window, with a reason. The receiving bank may still reject it. When it lands, the omnibus comes back. The wallet must come back too.

Reversal vs refund vs return

A refund is you paying the customer back on purpose. A return is the other bank sending the item back. A reversal is you asking the network to unwind your own send. Call the API by the event you have, not by the word the support ticket used.

What if the rail refuses?

You still owe a correction in the book if you already committed. Collect from the wallet, or take the loss on an expense account. Do not delete the original credit.

How it works with Blnk

If the original is inflight, void it. If it applied, refund it or post the opposite path and keep the rail reversal id as the reference parent.