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 payment-initiation call over a generalised open-banking API, then a single SEPA Instant credit transfer through one CSM. Real deployments vary the API standard, the SCA journey (redirect vs decoupled) and add reconciliation. Larkpay is fictional; the amount is illustrative. Every failure here is authored on Open-banking payment initiation, with the sources that back it.