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.
Faster Payments clears in real time but settles deferred-net at the Bank of England; this diagram shows a single settlement leg and abstracts the exact number of daily settlement cycles, plus the detailed CHAPS reroute mechanics. Every failure here is authored on Faster Payments (FPS), with the sources that back it.