Returned checks, NSF & bounced payments
When a check bounces, an ACH/bank transfer is reversed, or a card payment is charged back, the money you already recorded as received never actually cleared. This is not a refund (you did not hand money back) — the customer still owes you. N78-Ops has a one-tap correction for this, and then you record the matching entry in QuickBooks (your accounting source of truth).
Fix it in N78-Ops (reopen the balance)
- Tap Fix a payment on the dashboard, pick A payment bounced or was returned, and choose the job — N78-Ops opens it for you. (You can also open the quote / job directly from Clients, Quotes, or Today.)
- Scroll to Job progress and find the Corrections card.
- Tap Payment returned (NSF) and confirm. The recorded payment is reversed, the invoice reopens as still owed, and the job goes back into your accounts receivable and follow-up reminders. The original payment is kept but marked voided (and tagged "RETURNED/NSF") so your audit trail is intact — it simply stops counting as money received.
- Tap Undo on the confirmation snackbar if you tapped it by mistake.
Charge a returned-payment (NSF) fee, if you re-bill it
N78-Ops does not add a fee automatically. If you pass the bank’s returned-item fee on to the customer:
- Unlock the reopened invoice (open padlock) if needed, add a line item such as "Returned payment fee (NSF)" for your fee amount, then save and re-lock.
- Re-send the updated invoice (email / text / Share PDF) so the customer sees the new balance, and use Chase payment on Today to follow up.
Collect again
When the replacement payment (cash, a good check, card, etc.) clears, record it normally with Record payment → Partial or Paid in full. Do not re-enter the bounced one.
Record it in QuickBooks (source of truth)
N78-Ops is a front-end tool; your QuickBooks books are authoritative, so mirror the correction there:
- Record the bounced check / reversed payment so your bank balance goes back down and the invoice’s A/R is restored (QuickBooks has a built-in bounced-check / NSF workflow for this).
- Add the NSF / returned-item fee (and any bank fee you absorb) as the matching charge or expense.
- Reconcile so QuickBooks and your bank statement agree — that is the figure you file from, not the on-device view.
If the job had more than one payment: the action reverses the recorded payment(s) on that job. Re-record any payments that were actually good using Record payment.
If the customer never pays the reopened balance: treat it as bad debt — see Job status & ledger guardrails for the Write off (bad debt) action.