A cancelled payment occurs when you request a stop payment on your transfer request.
Reclaim of funds occurs when the Interac e-Transfer is undeliverable for one of following reasons:
Recipient's e-mail address is not valid
Recipient is unable to answer the security question
Recipient declines the transfer
The transfer has expired
When an Interac e-Transfer cannot be completed, the funds are returned to the sender. No fees are charged for reclaiming e-Transfers.