What happens when this goes wrong?
Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.
Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.
A dual-message model: authorise now, clear later. Real acquiring often adds a gateway or payment facilitator in front of the acquirer, 3-D Secure before the request, and network timings and stand-in limits that network rules generally set per scheme. Cardnet is fictional; the amount is illustrative. Every failure here is authored on Card payment authorization, with the sources that back it.