What is returned against what is kept

The only state that permanently costs money is a reclamation, and in the sample it was rare and mostly bonus-derived. This page separates the 83 returns from the 37 retentions and shows the arithmetic of each.

Desk spec

returned: 83
returned total: 41,147.30
retained: 37
retained total: 7,940.20
bonus share: 44.8%
mean retained: 214.60

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

A refused payout normally returns the money: 83 sampled requests returned 41,147.30 in full, a mean of 495.75 each. Thirty-seven were retained, totalling 7,940.20 at a mean 214.60, of which 3,559.40 was bonus-derived and 4,380.80 real money, so 44.8% of everything retained was bonus.

Two closed outcomes, one table

the 120 closed requests
outcome	requests	total	mean	the money
returned to the balance	83	41,147.30	495.75	all of it, back to the holder
reclaimed	37	7,940.20	214.60	partly kept, partly returned
closed without payment	120	49,087.50	409.06	vs 412.50 mean request

the retention, decomposed 37 reclaimed requests, 7,940.20 total bonus-derived, conditions unmet 96.20 x 37 = 3,559.40 real money, whole outcome set aside 118.40 x 37 = 4,380.80 214.60 x 37 = 7,940.20 bonus = 44.8% of everything kept against the money that did reach holders: 1,681 paid x 412.50 = 693,412.50 22 reversed on appeal x 412.50 = 9,075.00 total reaching holders 702,487.50 retained 7,940.20 = 1.1% of what was requested

Why the retained mean is smaller than the request mean

The mean request is 412.50 and the mean retained request is 214.60, roughly half. That is because a reclamation keeps the part of a request that is bonus-derived and returns the rest, so a retained request is by construction smaller than the request that carried it. The two figures are not comparable: one describes how much was asked for, the other how much was kept.

What a reclamation is not

A reclamation is not a fine, and it is not a charge for the operator time. In the sample the retained amount never exceeded the request itself, and the 7,940.20 kept is 1.1% of the 742,500.00 requested across the month. It is also not the same as a deposit reversal: that is money that moved and was moved back, which is a different desk, while this is money that the operator decided not to move at all.

Checking a retention against the request

Compare the kept amount to the request it came from, because a reclamation should not exceed it.
Ask which part was bonus-derived, since in the sample 44.8% of everything kept was.
Check whether the whole outcome of play was set aside or only the bonus.
Note the appeal window, because 9 of the 37 reclaimed requests in the sample were reversed on appeal.
Keep the message that stated the ground, because a retention states a clause and a return usually does not.

The appealthe route that reversed 22 closed requests The groundsthe ground that ends in retention most often One payment in moneya request carried from 412.60 to what arrives The recordhow a retention appears in the ledger