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

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

PROGRESS
BREAK IT · SWIFT ROUTE SELECTION — RMA, SSI AND ACCOUNTS

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

  • RMAStep 2: Bank Alfa proves the route before releasing value — No authorized messaging path exists
  • SSIStep 2: Bank Alfa proves the route before releasing value — Messaging is authorized but the settlement route is unusable

One USD correspondent stands in for a governed routing table. RMA scope, SSI approval and account reachability are shown as one checkpoint but are owned by different controls in many banks. Every failure here is authored on SWIFT route selection — RMA, SSI and accounts, with the sources that back it.