Qitzur Shulchan Arukh – 179:15

טו: לֹוֶה ֹשֶבָּא לִפְרוֹעַ לַמַּלְוֶה עַל יְדֵי שָׁלִיחַ, מִיָד כְּשֶׁמָּסַר אֶת הַמָּעוֹת לִידֵי הַשָּׁלִיחַ, זָכָה הַשָּׁלִיחַ בַּמָּעוֹת עֲבוּר הַמַּלְוֶה, וּכְשֶׁהַלֹּוֶה מִתְחָרֵט וְרוֹצֶה לְקַחְתָּן מִיַּד הַשָׁלִיחַ וְשְׁיִפְרַע לוֹ אַחַר כָּךְ, אָסוּר מִשּׁוּם דַּהֲוֵי לֵהּ שֶׁלֹּא מִדַּעַת, וְגַם עַל הַשָּׁלִיחַ יֵֹש אִסּוּר לְהַחֲזִירָן לַלֹּוֶה

A borrower who came to repay the lender via a messenger, as soon as he gives the money to the messenger’s hand/domain, the messenger acquires the money on behalf of the lender. And if the borrower refrets and wants to take the money [back] from the messenger’s hand and pay him [the lender] later, it is prohibited because he would have it without the knowledge [of the owner]. Also, the messenger may not return them [the monies] to the borrower.

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