Crossword Genius

Failure to settle on mat Penny repaired (10)

Ross

I believe the answer is:

nonpayment

'failure' is the definition.
(I know that nonpayment is a type of failure)

'settle on mat penny repaired' is the wordplay.
'settle' is an anagram indicator (I've seen 'settling' mean this (settle can mean to solve or sort out)).
'repaired' indicates anagramming the letters.
'on' anagrammed gives 'no'.
'mat'+'penny'='matpenny'
'matpenny' with letters rearranged gives 'npayment'.
'no'+'npayment'='NONPAYMENT'

'to' acts as a link.

I've seen this clue in The Times.
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