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 letter of credit, one presentation, paid at sight. Real documentary trade can add a confirming bank, amendments, partial and deferred presentations, and a longer examination cycle; the interbank payment may route through additional correspondents not shown here. Every failure here is authored on Letter of credit settlement, with the sources that back it.