Once an InstaPay transfer has been successfully processed and credited to the recipient's account, it cannot be directly cancelled or reversed by the sender because real-time transactions are final. If you sent money to the wrong account or experienced a fraudulent transaction, you must immediately contact your bank's customer service department to report the issue, file a dispute, and request a formal investigation. Recovery depends heavily on the cooperation of the receiving institution and the willingness of the recipient to return the mistakenly transferred funds.