We are reviewing our procedures and had some questions regarding stop payments on recurring debit card transactions. We do require the customer to status their card at the same time as initiating the stop payment. What I'm curious about is the handling of any "pushed through" transactions - if a pre-auth transaction gets pushed through, and rejected due to the stop payment, it can then be returned simply as stop payment and isn't part of a dispute, correct? The customer would be credited and the transaction returned but it's not truly provisional credit and then subject to the Reg E dispute timeframes, right?