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 sterling payment settling gross. Real CHAPS operation depends on intraday liquidity management, the Bank of England's intraday liquidity facility, central-queue optimisation, and settlement windows across the whole business day. Every failure here is authored on A CHAPS payment (UK sterling RTGS), with the sources that back it.