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 LYNX WIRE PAYMENT (CANADA'S 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

  • NOBALStep 2: Lynx checks the settlement balance — Bank Alfa lacks the settlement balance at the Bank of Canada to cover the wire

One payment settling gross. Real RTGS operation depends on intraday liquidity, payment queues, and cut-off times across the whole day. Every failure here is authored on A Lynx wire payment (Canada's RTGS), with the sources that back it.