An ACH transfer can also be reversed if the amount transferred was incorrect, if it's a duplicate transaction, or if it was sent to the wrong account number. Also, there's not a lot of pushback from the bank if a customer asserts ACH fraud when asking for a reversal. Good thing, because it's pretty trivial to get someone's routing and account number, they're printed on every check you write.

Zelle, on the other hand, will not reverse a payment if you get the phone number wrong.