Step 1: Go to the "Payments" Tab
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Step 2: Select the payment(s) you would like to mark as returned.
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Step 3: Click the Actions drop down menu, then click Return Payment.

Step 4: Enter the date that the bank returned the payment, select the bank account that the payment was returned from, and enter an explanation of why the check was returned.

Step 5: Click the return button. This will automatically create a transaction in the "Transactions" tab with the details you input and with a reverse of the payment linked to it.

It is important to note, if your bank account is linked with Plaid, a transaction for the return will also flow in. Make sure to delete that duplication.
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Use Return Payment when a payment was successfully posted to PayHOA but the bank later returned it (NSF, closed account, stop payment, etc.). This preserves the audit trail and creates a reversing transaction.

Use Delete only if a payment was recorded by mistake and never actually moved money. If the payment really happened and was returned, always use Return Payment — deleting will leave your bank reconciliation out of balance.

PayHOA does not charge the association for returned payments due to insufficient funds. However, if a payment had already settled and is later returned or disputed, fees may apply.

Whether to pass returned-payment fees on to the homeowner is a board-level policy decision. The general practice is that the account that caused the charge gets charged the fee — i.e., the homeowner whose payment bounced. To do this, add a returned-payment fee charge to that homeowner's account once you've marked the payment as returned.

If a returned payment keeps appearing when you reconcile or "link" payments to transactions, check that:

If a stale bounced check still keeps showing up after these steps, send the payment ID and the homeowner/unit details to support and we'll clean it up.