GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
PAYMENTSSIGNAL

The interactive academy for the standards, messages, and rails that move money.

PROGRESS
BREAK IT · INDIA TO USA: AN OUTWARD REMITTANCE (MT103, INR TO USD)

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.

CHOOSE WHAT GOES WRONG

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.

EVERY FAILURE ON THIS RAIL

  • A2-MISMATCHStep 2: Ganga Bank checks the declaration before touching the money — The purpose code doesn't match the declared reason for the transfer
  • OFAC-HOLDStep 8: Cascade Bank validates the incoming payment — Screening flags a possible name match and the credit is held for review

A single USD correspondent and a single compliance hold scenario. Real cross-border retail remittances may add intermediary banks, TCS withholding, and beneficiary-bank fees not shown here. Every failure here is authored on India to USA: an outward remittance (MT103, INR to USD), with the sources that back it.