Flow
The order is the point.
Reference, screening, route, entry, notice. Each step assumes the previous one finished, and that is not a matter of style: a screen that runs after the instruction is not a screen, it is a report.
/ 01
Reference
The instruction carries an id from the client system. The same id a second time returns the same entry, not a new one.
/ 02
Screen
Payer, beneficiary and beneficial owners are checked against the lists before money is instructed. A hit stops the instruction.
/ 03
Route
SIC, SEPA, or a supervised ramp. The chosen route and the counterparty stay on the record.
/ 04
Entry
Debit, credit, currency, rate and time. A refund is a new line, not a correction of the old one.
/ 05
Notice
The client system receives a signed message with the final status. A retry does not change that status.