Reversing payments made Q

I’m curious to know the correct process to reversing a payment when a echeck fails. As in, the bank comes back and says “insufficient funds”. I know that there is a “reverse payment” option. However, the Sonar system assumes that the payment was valid. If one selects “reverse payment”, does Sonar pull the money from my account and send it to the client? If so, they are getting a credit put back into their bank account for a payment that they didn’t actually make.

How do you handle “insufficient funds” processing?

When reversing e-checks, you can reverse the payment and then uncheck the box “Refund payment via payment provider”.