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.
One dispute, one reason code, one round. Real chargeback flows vary by network and reason code — time limits, required evidence, fees and even the number of cycles differ, and network rules generally govern each stage. The provisional-credit and fee movements between the banks are described in prose rather than drawn as lanes. Every failure here is authored on Chargeback lifecycle, with the sources that back it.