Common mistakes

1 min read · Chapter 9 of 10

What usually goes wrong

Symptom	Likely cause	First thing to check
A request for payment never reaches the buyer	The buyer's bank isn't on the network or doesn't take requests	Reach for that bank, and whether the fallback fired
A payment is rejected and nothing settles	Funds or prefunding short, a limit, a negative-list hit, the clock	The rejection code; retry with a new message ID
Settled, but the supplier can't use it	The receiving bank is holding it for review	Whether the bank released it; keep the invoice open
Paid twice or the wrong amount	An AP error	A request for return; a credit memo meanwhile
Paid to a fraudster after a "new bank details" email	Business email fraud	Whether a name check and callback ran; call the bank at once
Cash arrives but can't be matched	Remittance dropped, or a new paying account	The end-to-end ID, and each customer's known accounts
A bank data feed goes dead	Consent expired or was revoked	Expiry warnings and the re-link flow
A tokenized account number stops working	The consent behind it lapsed	Don't store it as a permanent ID