Rock band right to return payment (4)
I believe the answer is:
reef
'rock band' is the definition.
'reef' can be an answer for 'rock' (I have seen 'Submerged rock ' mean 'reef' so perhaps 'rock' could also mean 'reef'). I'm not sure about the 'band' bit.
'right to return payment' is the wordplay.
'right' becomes 'r' (common abbreviation).
'to return' shows that the letters should be reversed in order.
'payment' becomes 'fee' (payment for a job).
'fee' backwards is 'eef'.
'r'+'eef'='REEF'
Can you help me to learn more?
(Other definitions for reef that I've seen before include "key" , "Coral or rock just below sea surface" , "Atoll protector" , "Ridge of rock or sand just below sea surface" , "Underwater obstruction" .)