Thank you, that makes sense. That's probably is what been happening with my incoming payments for the last couple of days too, but I'm not the one receiving the error message since I wasn't the initiator. I've been getting notifications of payments but no payments. Is that a possibly logical conclusion? I've been baffled.

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Possible, can’t tell for sure

Ok. I appreciate you taking the time to explain some of this. It makes sense now that I'm reading it & thinking, but it never would have occurred to me.