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 VoP round trip and one instant settlement leg. Exact name-matching rules, response-time limits, and the routing/directory service behind VoP are set by the scheme rulebook and are omitted. Every failure here is authored on Verification of Payee, then instant transfer, with the sources that back it.