# IA: Payment-in-error refund — confirm owning rep before payout

**Batch:** 88
**Example:** Elegant Plastics DM1329-ANGELO (`19c1d1381f83eb78`)

## Lesson
- Eric checks BB match with Gerchia before refunding R2190 Nedbank EFT.
- Client bank ref ≠ AM stem — do not invent stem.
- Refund only after owning rep confirms not a live deal; never export beneficiary accounts.