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 indirect participant, one direct participant, and a single onshore settlement leg; the precise PBoC-approved clearing-bank and account arrangements, FX conversion, and message-format specifics are omitted. Every failure here is authored on CIPS cross-border RMB payment, with the sources that back it.