The Payment On Hold / numbers
every figure in one place
Every figure on the desk
The ten samples reduced to the five calculations that produce every other number on the site, so any figure can be re-derived from the request count downward.
Desk spec
- requests
- 1,800
- stops
- 380
- paid
- 693,412.50
- retained
- 7,940.20
- reversed
- 22
- mean stop
- 8.7 d
the stateWhat the request is doing. Of 1,800 sampled requests, 1,421 were paid without ever stopping, 380 were held at least once, 260 of those were released and 120 were closed without payment.
the groundThe recorded reason a payment stopped. Across the 380 stops: a document gap 148, a source-of-funds query 96, a rail or name mismatch 61, an alleged term breach 49 and a dependency not settled 26.
the retentionThe one outcome that costs money permanently. Of 742,500.00 requested, 693,412.50 was paid, 41,147.30 returned to balances and 7,940.20 retained, at a mean 214.60 per reclaimed request.
Direct answer
Five calculations produce every figure on this desk: the 1,800 requests split into 1,421 paid, 380 stopped and 120 closed; the 380 stops split by ground; the money split into 693,412.50 paid, 41,147.30 returned and 7,940.20 retained; the 120 closed split into 76 appeals with 22 reversals; and the clock.
The five calculations
Each calculation below stands alone: the requests, the stops by ground, the money, the closures and appeals, and the clock. Taken together they produce every figure on the desk.
1. the requests
1,800 requests
1,421 paid without ever stopping (78.9%)
380 stopped at least once (21.1%)
260 released and paid (14.4%)
120 closed without payment (6.7%)
83 returned to the balance
37 reclaimed
3 queued at the cut-off
paid in total 1,421 + 260 = 1,681
reversed later +22, so 1,703 reached holders
2. the stops, by ground
380 stops
a document gap 148 38.9% 4.2 d
a source-of-funds query 96 25.3% 11.6 d
a rail or name mismatch 61 16.1% 6.8 d
an alleged term breach 49 12.9% 22.4 d
a dependency not settled 26 6.8% 2.1 d
weighted mean = 3,302.2 / 380 = 8.7 days
3. the money
mean request 412.50 x 1,800 = 742,500.00 requested
paid 1,681 x 412.50 = 693,412.50
returned 83 = 41,147.30 (mean 495.75)
retained 37 = 7,940.20 (mean 214.60)
check 693,412.50 + 41,147.30 + 7,940.20 = 742,500.00
reversed on appeal 22 x 412.50 = 9,075.00 back to holders
4. the closures and the appeals
120 closed without payment
76 appealed (63.3%)
22 reversed, paid (29.0% of appeals)
54 upheld (71.1% of appeals)
44 never appealed (36.7%)
of the 22 reversed, 9 were reclaimed cases and 13 were returns
retained after appeals = (37 - 9) x 214.60 = 6,008.80
5. the clock
1,421 paid the same day (78.9%)
260 released, median 6 d
nine requests in ten resolved within 34 d (1,786 of 1,800)
14 past 90 days, mean 141 d (0.8% of requests)
a refusal decided on day 2, appealed on day 4, reversed on day 7
-> delay 7 days, of which the appeal itself is 3.1
Every figure above is derived from the ten invented samples and is illustrative. None is observed from a real operator, payment institution, bank, regulator or person, and no real product is described by any of it. The arithmetic is shown so that any figure can be recomputed from the request count rather than taken on trust.