What happens when this goes wrong?
Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.
Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.
One salary payment represents an entire Bacs batch file, and the diagram shows a single clean three-day cycle rather than the netting of many payments across all participating banks. Every failure here is authored on Bacs Direct Credit, with the sources that back it.