How is an ACH Debit InstaLink payment returned if it has not been settled to me?

Skydo's refund policy requires the sender to initiate the bank recall for ACH Debit payment-link funds. A refund request from you alone does not replace that bank step. For this refund route, Skydo must receive a valid recall request from the source-account bank before proceeding.

Tell the payer to contact their bank about the payment and coordinate with support@skydo.com using the original reference. Ask Skydo whether any settlement is pending and which information the banks need. Do not send money directly to another account as a shortcut. Keep the recall and Skydo updates together until the final outcome is confirmed.