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 large-value payment settling gross across current accounts at the Bank of Japan; smaller retail payments are netted through the Zengin System instead, and real RTGS operation depends on intraday liquidity management across the day. Every failure here is authored on A BOJ-NET funds transfer (Japan RTGS), with the sources that back it.