I had this happen last year when I began hosting again after many years. I didn't think about it, but my old bank account was long closed and my first 2 or 3 payments as a new host were sent to it. I contacted airbnb with each transaction number, date and amount (these are found on the payout emails they send you) and asked them to match them with the bounced payments at their end. Once they confirmed that each payment had come back to them, they paid them into my new account.
The whole process was simple, and if it took me a little longer to receive my payment, then it was my own fault for not updating my account with them when I started hosting again. They paid to the account that I provided, afterall.
By the way, this has nothing to do with the guest - it would be poor form to even mention it to them.
Dear kelly,
My name is Elisa and I'm part of the payment team here at Airbnb. I've just received your case and first of all, thank you very much for the sum up you provided, it helped me have the full picture quickly !
I can confirm that the payout for reservation [number redacted] was reversed to Airbnb account and we are ready to reissue it with our next batch today. It will be processed to your current Default method and you'll see it in your Transaction History > completed transactions.
As a reminder, payouts sent by bank transfer can take up to 7 business day(s) to arrive. You can view the expected arrival date by going to Account > Transaction History and hovering over the question mark (?) on the Completed Transactions Tab.
If you have any other questions, please do let me know and I'll be happy to help.
All the best and welcome back on Airbnb,
Elisa