GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
PAYMENTSSIGNAL

The interactive academy for the standards, messages, and rails that move money.

PROGRESS
BREAK IT · A BRAZIL STR RESERVE TRANSFER (BR RTGS)

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.

CHOOSE WHAT GOES WRONG

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.

EVERY FAILURE ON THIS RAIL

  • NOFUNDSStep 2: STR checks Bank Alfa's reserve balance — Bank Alfa's reserve account at the BCB lacks the funds, so the payment is queued rather than settled

One payment settling gross in central-bank reserves. Real STR operation depends on business-hour cut-offs, intraday liquidity, and interbank funding across the whole day. Every failure here is authored on A Brazil STR reserve transfer (BR RTGS), with the sources that back it.