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 HKD payment settling gross. Real CHATS operation depends on intraday liquidity management, queue optimisation, and operating cut-offs across the whole day. Every failure here is authored on A Hong Kong CHATS payment (HKD RTGS), with the sources that back it.