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 high-value order settling gross. Real SIC operation also processes retail and instant payments across many participants, with intraday liquidity and queue management throughout the day. Every failure here is authored on A SIC payment (Swiss RTGS), with the sources that back it.