FIN.15:5.3 - Repair a partial payment on the actual remaining amount

A separate constructed corporation has usable cash 130, a reserve requirement of 20 and a creditor obligation of 100. The permitted arrangement allows payment in parts. Treasury sends two provider transfers of 60 and 40, each with an additional fee of 1 only if executed. Adequate evidence establishes that the first transfer delivered 60 and its fee was debited, while the second was rejected and cannot later execute. The creditor applies all 60 to the obligation; no further charges or interest accrue.

Cash is 130 − 60 − 1 = 69 and principal still owed is 40. Completing the remaining transfer of 40 with its fee of 1 leaves cash 28 and discharges the obligation on these terms. Retrying the original total of 100 instead would leave cash −32 and pay the creditor an excess 60. Subtracting the full bank debit of 61 from the creditor’s principal would also be wrong: the fee did not pay that creditor.

Now change only the evidence: the second transfer’s status is unknown. Cash of 69 in the observed account does not prove rejection; the 40 plus its possible fee may still leave. Before another transfer, trace or validly cancel that instruction and establish its resulting status. Pending exposure to an additional 41 matters to the cash plan, while the legal payment effect remains unresolved until its premises are known. If the bank’s available balance already holds that 41, do not deduct it again when assessing available funds.

If a provider cannot resolve the status before the deadline, treasury returns the actual uncertainty and consequences for an authorized recovery decision.