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 Zengin clearing cycle and a single net settlement at the Bank of Japan; real processing nets many payments across the day and diverts payments of JPY 100 million or more to real-time settlement in BOJ-NET. Every failure here is authored on Japan Zengin System, with the sources that back it.