In my experience , usually the best way is the most direct . Has she approached the bank and told them she made the wrong payment and ask them to reverse the transaction ? Institutions are usually helpful over this type of mistake ,especially if you are a customer of good standing with a reliable credit history.
In these days of internet banking and numerous accounts it is not uncommon to pay the wrong account
I have done this and had the bank correct the mistake without a problem .
Hope this helps ....................................Dave
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