GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
PAYMENTSSIGNAL

The interactive academy for the standards, messages, and rails that move money.

PROGRESS
BREAK IT · SEPA CREDIT TRANSFER

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.

CHOOSE WHAT GOES WRONG

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.

EVERY FAILURE ON THIS RAIL

  • AM04Step 2: Bank Alfa validates the instruction — Insufficient funds — the initiation is rejected
  • AC04Step 8: Nordbank validates and screens the incoming payment — Account closed — the payment is returned after settlement
  • DUPLStep 9: The creditor's account is credited — The debtor agent later discovers a duplicate and recalls the payment

One CSM, one settlement cycle, direct participants only. Real SEPA processing batches many payments and may involve indirect participation through another bank. Every failure here is authored on SEPA Credit Transfer, with the sources that back it.