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If your real-time payment is rejected, in most cases it will be automatically re-processed via Direct Entry(EFT) and take approximately 1-2 days to reach the destination account. You will receive a notification via email and SMS advising you of the rejected payment.
If a payment can't be processed it will appear in your transaction list in Online Banking or the App as a failed transaction. You will need to re-attempt the payment again or try new payee details.