After opening the payment you'd like to cancel, on the payment overview tab, open the Actions menu and select Cancel. 

Optional: Payment Cancellation Window

The Payment Cancellation Window gives you additional time to review and cancel payments after they have been created, before a payment is sent.

When enabled, domestic ACH payments remain cancellable for a configurable period after creation, as long as the payment hasn’t begun processing with the bank. Once the cancellation window expires or the bank cutoff time passes, the “Cancel” button will become disabled, and the payment can no longer be cancelled.

Available cancellation window options:

• 1 minute
• 5 minutes
• 15 minutes
• 30 minutes
• 1 hour
• 2 hours

If the bank processing cutoff time occurs sooner (2pm PT/5pm ET for Standard and Expedited ACH, and 7am PT/10am ET for Same-Day ACH), the cancellation window may be shorter. In some cases, the payment cancellation window may also be longer. Once the cancellation window expires, the “Cancel” button will become disabled, and the payment can no longer be cancelled.

This feature is useful for organizations that want a short review period to catch mistakes, correct payment details, or respond to last-minute changes before funds are withdrawn and payment processing begins.

How to Cancel Payments in Routable

Canceling a payable

• Navigate to the payable you would like to cancel.

• At the top of the payable thread, open the Actions menu and click the Cancel button.

• On the right side panel, confirm details for canceling the payment.

• Click the Cancel payment button at the bottom of the panel and a confirmation message will appear.

• Your vendor should receive an email to confirm that the payment was canceled. 

Canceling a receivable

• Navigate to the receivable you would like to cancel.

• At the top of the item thread, click the Cancel button.

• On the right side panel, confirm details for canceling the invoice.

• Click the Cancel invoice button at the bottom of the panel and a confirmation message will appear.

• Your customer should receive an email to confirm that the invoice was canceled. 

Cancel without updating the ledger

Click the button to Cancel in Routable and do not update in your ledger in the cancel panel as shown below:

Canceling a check payment

Routable’s cancellation window for a check is 3 hours from the time you send the payment.

• e.g. Let’s say you send a payment at 8:47am PT. It will need to be canceled before 11:47am PT on your side. If you miss that window, reach out to our Support team.

If you need to cancel, void, or issue a stop payment on a check that has already been sent:

1. Contact your bank to void the check, then

2. Contact our Support team to update the status of your payment in Routable

When to cancel a Bank Transfer ⏰

Bank Transfer cutoff times

Depending on the Bank Transfer payment option, the cutoff times for canceling payables will vary. You can also see this cutoff time information in your Account settings under the Payment methods page.

Here's a breakdown of when you can successfully cancel a Bank Transfer based on the status of the payment.

Check and international payments

Check and international payments have a longer cancellation window, because they take more time to begin processing.

Check

Routable’s cancellation window for a check is 3 hours from the time you send the payment, as long as the payment hasn’t begun processing with the bank. Some checks may have a shorter cancellation window if the bank processing cutoff time occurs sooner.

• e.g. Let’s say you send a payment at 8:47am PT. It will need to be canceled before 11:47am PT on your side. If you miss that window, reach out to our Support team.

If you need to cancel, void, or issue a stop payment on a check that has already been sent:

1. Contact your bank to void the check, then
2. Contact our Support team to update the status of your payment in Routable

International (International ACH/SWIFT)

You can cancel international (International ACH/SWIFT) payments as long as the payment hasn’t begun processing with the bank.