Putting coal to one side for a moment, more general goods (say a load of crated cider from Somerset for the City of London) would be delivered to the local station. There would often be a small stock of empty wagons, likely vans, on hand, and they could be loaded directly, otherwise it was put in the goods shed and the goods porter would telegraph to the local centre (let us say Taunton), and the required wagon type would be shunted out of the wagon store yard (the one just west of the station on the Down side of the avoiding lines), taken to the goods depot, and put in the local pick-up train. On arrival it would be loaded, if easy while the pick-up waited, if not it was sent the next day. As described above the destination was scrawled on a wagon label and clipped on the side. Porter also recorded the wagon number and destination, and weight.
Taken back to Taunton Goods where the label was read, and it was shunted into say the London sorting siding. If it was going to say Manchester it went into the siding for Chester Transfers. Each railway tried to keep wagons on their own lines as far as possible. If going to Aberystwyth (unlikely for cider, I know) there would be a known transfer point, which for much of Wales on the WR was Pontypool Road. Here comes the through goods Exeter to Acton, wagons for Taunton off, those for London on.
Into Acton yard, read the label, where's this one for ? Bishopsgate Goods. OK, onto the LNER transfer siding. A lot going there today so telegraph the LNER for an extra loco and crew to come over and get them all. LNER control send an extra Stratford loco and brake van, take the rake over to Temple Mills yard, read the label, shunt for Bishopsgate, gets there. Read the label, unload into goods shed and onto LNER an lorry, deliver to final destination nearby.
I once read that after 1923 the railways in London moved quickly from horse to motor lorries (many WW1 surplus), apart from the LMS who were a significant outlier in this. If you see a photo of central London streets from the 1920s with just one horse lorry mixed in, chances are it's an LMS one.
That record of weight etc at the initial station is converted in quiet hours into an invoice to the shipper and put in the post. if they wish they can post a cheque back, or come to the station booking office window, hopefully not 5 minutes before the occasional branch passenger train is due, and pay cash, getting a receipt. Accounts of paid and unpaid invoices were kept by the booking clerk, who at smaller stations might just be a porter, all overseen and checked by the stationmaster.
Having vanished into the ether, dependent on that label, if it was lost (both sides) there were daily telegrams from control to everyone with wagon numbers etc, which shunters and porters were all to look for. Apparently they were usually found. Meanwhile someone else at Control was recording the empties and getting them back to where likely next wanted. Before nationalisation most "foreign" wagons were worked back empty to the interchange point. There was no central wagon control, and a number just vanished each year. There were periodic all-system stocktakes where everything visible was recorded and sent back to control.
We are not finished with that invoice yet, because as it was an inter-company transit it was sent to the Railway Clearing House, where it was proportionalised by mileage . Say it was for £20 to send the wagon, and it was 90% on the GWR and 10% on the LNER, then the GWR owes the LNER £2. Every wagon doing this was put into the system, and a periodic payment between railway companies was made. Not for nothing was the RCH one of the first purchasers in bulk of old mechanical accounting calculating machines.
It will be apparent what a benefit to every step here TOPS made. It's thus ironic that the implementation of TOPS in the 1970s coincided with the complete rundown of wagonload freight.
I chose the cider as an example because there would typically be a small extra open crate in addition, for the benefit of those along the way. One bottle each ...