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 sender bank, one receiver bank, and a single instant payment; the real RTP network coordinates many participants continuously and manages each bank's prefunded balance at the Federal Reserve Bank of New York throughout the day. Every failure here is authored on The RTP Network (instant, final, prefunded), with the sources that back it.