Payment Failure Diagnosis

Overview

This skill produces structured diagnostic analyses of payment processing failures across all major payment rails. It covers ACH (NACHA), Fedwire, SWIFT, CHIPS, check clearing (Check 21), real-time payments (RTP/FedNow), and card networks. Diagnoses identify the failure point, root cause, applicable return/reject codes, regulatory implications, and corrective actions. Output supports operations teams, customer communication, and regulatory compliance.

When to Use

• Investigating why a specific payment was rejected, returned, or delayed
• Diagnosing patterns of payment failures in operations exception queues
• Explaining payment processing errors to customers or relationship managers
• Troubleshooting payment system connectivity or processing issues
• Analyzing payment return rates for compliance with NACHA thresholds
• Supporting Reg E error resolution for electronic payment disputes
• Preparing root cause analysis for material payment processing incidents

Required Inputs