But I don't see why you can't just record '25' even if it won't settle for days/weeks, and not allow >$9975 in the meantime. (If the $25 doesn't go through then fine, you just end up with $25 capacity still.)
I bet it allows you to make a single >$10k payment only to reject it (on an 8-10week time frame) if it behaves like this.