When a transfer or payment is scheduled for a holiday or non-working day, the transaction cannot be processed on that particular day, as banks and financial institutions are closed on those days. Therefore, the payment will be rescheduled automatically to the prior working day.

For example, if your payment is scheduled for a national holiday or weekend, such as Christmas Day or a Sunday, it will not be processed on that day. Instead, the payment will be processed on the prior working day, which would typically be the last business day before the holiday or weekend.

It's important to note that the rescheduling of the payment to the prior working day may have an impact on the expected delivery time of the payment. In some cases, this could cause a delay in the recipient receiving the funds, particularly if the rescheduled day falls on a Friday or the day before a holiday.

To avoid any confusion or delays, it's a good idea to plan ahead and schedule your payments and transfers well in advance of any anticipated holidays or non-working days. You can also check your bank or financial institution's working hours and holiday schedules to ensure that your payments are not scheduled for non-working days.