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A stop payment is when the sender chooses to stop the payment; the sender is charged a fee for this request.
A reclaim money transfer is when the Interac e-Transfer transaction can’t be delivered. This can happen for several reasons:
When the Interac e-Transfer transaction can’t be completed, the funds are returned to the sender. No fees are charged in this case.
Please note: stop payments and reclaims are not available if the recipient is registered for Autodeposit.