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 transaction, one clearing cycle, direct participants only. Real card clearing nets thousands of records per cycle, runs several cycles a day, and settles on a timetable each scheme's rules define — often the next business day or two. Fee figures are illustrative; Cardnet is fictional. Every failure here is authored on Card clearing & settlement, with the sources that back it.