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What should a twenty-person split record so a bank transfer dispute can be settled?

Asked 1 Feb 2025Modified 18 months agoViewed 4.6k times
This question was marked as a duplicate of Is an escrowed payment sensible for an order shipping to Japan?Closed 14 Feb 2025. It remains here because the answers below are specific to how it was asked.
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Concretely: a twenty-person split · a bank transfer.

I am trying to do this correctly the first time rather than learn it by getting it wrong.

I have already made one mistake here that cost me a vial, so I am being deliberately careful.

What is the correct sequence, and where is the step that people usually skip?

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