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# Handle a critical payment transmission failure

### Scenario

A payment flow transmits supplier payment files from the ERP system to the bank via SFTP. The process is business-critical and must ensure timely and reliable execution. Any disruption may impact supplier payments and financial operations.

### Objectives

The contingency procedure ensures that:

* Payment files are delivered to the bank without delay.
* Service continuity is maintained under failure conditions.
* All actions are traceable and auditable.

### Flow overview

#### Flow name

ERP\_TO\_BANK\_PAYMENTS\_VIA\_SFTP

#### Description

This flow manages the transmission of payment files from the ERP system to the banking platform via SFTP for execution of critical financial operations.

#### Criticality

* High
* SLA required
* Business impact: Critical (5)

#### Business context

* Category: Financial Operations
* Function: Payment processing
* Business owner: Finance Department
* Technical owner: Integration Team

#### Operational notes

The flow is time-sensitive. Failures may result in delayed payments, financial penalties, and supplier dissatisfaction.

### Contingency procedure

#### Scenario

SFTP transmission failure during payment processing.

#### Required inputs

* Payment file from ERP
* Bank credentials
* Backup endpoint configuration
* Bank web portal access

#### Step 1 — Detect issue

Detect failure via monitoring alerts or missing acknowledgements.

#### Step 2 — Retry transmission

Retry file transmission using the integration platform.

#### Step 3 — Switch to backup endpoint

Use backup SFTP endpoint if primary retry fails.

#### Step 4 — Manual upload

Upload the file manually via the bank web portal.

#### Step 5 — Notify stakeholders

Inform Finance and Operations teams about the incident.

### Validation

* Payment successfully delivered to bank
* Confirmation received from banking system
* Stakeholders notified
* Delay within acceptable limits

### Outcome

Payments are processed with minimal delay. Operational disruption is contained and fully documented for audit purposes.