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 buyer, one supplier, and a single daily netting and settlement cycle across two central banks. Real PAPSS handles many currencies and participants at once, and the exact netting and settlement timing and liquidity arrangements vary. Every failure here is authored on PAPSS — Pan-African Payment and Settlement System, with the sources that back it.