When it does not arrive
Held, returned, misdirected or simply missing, and who is in a position to do anything about each.
Still yours, and statedTaken, never statedUnit changes; scale restarts
Six steps from instruction to arrival. One step carries no figure: the hatching marks where the money leaves and is not drawn to scale, because there is no figure to draw. Nothing here adds them up, since an amount you cannot see is not an amount you can subtract. The unit changes part-way down: the figures below the break are in another currency, the bars below it are drawn against the published rate, and the first figure and the last are not the same kind of number. Two fees for one payment, and both were borne at this end.
Returned to Sender
A rejected payment goes back, shorter than it left, and somebody has to decide who absorbs the difference.
The Name That Did Not Match
Account checks compare the name you gave with the name on the account, and a middle name can stop a payment.
Held and Not Explained
A payment can sit for weeks with no stated reason, and in several countries nobody is permitted to tell you why.
Recall, and What It Is Not
The sender can ask for a payment back, and asking is not the same as getting it, or getting all of it.
Sent to the Wrong Account
Money credited to somebody else's account is recoverable only with their agreement or a long process.
Who Pays for a Failed Payment
Two fees and a delay land somewhere, and in the absence of an agreement they land where they happen to.
When the Service Itself Fails
Money held by a payment firm rather than a bank sits under different protection, which is worth knowing first.
The Payment That Was Never Sent
Establish that an instruction exists before chasing a chain, because a surprising share of missing payments do not.