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.
This diagram shows one HKD payment through a single sending and receiving bank; the real FPS message set, e-wallet participants, RMB flows, and exact CHATS settlement timing are left out. Every failure here is authored on Hong Kong FPS — the Faster Payment System, with the sources that back it.