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.
Two participants and one release. Real netting runs across many participants continuously, with balance algorithms deciding release order all day. Every failure here is authored on A CHIPS payment (netting then settlement), with the sources that back it.