Incorrect Details: If the sender provides incomplete or inaccurate beneficiary information (e.g., name, account number, or bank details), the payment may not go through.

Compliance Checks: Bank payments are subject to regulatory compliance. Payments that trigger red flags or fail to meet standards can be delayed or rejected.

Fraud or Security Flags: Suspicion of fraud or security risks may result in the payment being returned.

Currency Restrictions: Some countries restrict currency exchanges or capital movements, leading to returned payments if violated.

Bank Policies: Bank-specific policies or procedures may affect payment, such as restrictions on certain transactions or additional verification requirements.