---
title: "Troubleshooting — Fynex Help"
description: "Declines, holds, disputes, and finding out where your money is."
url: "/docs/troubleshooting/"
---

# Troubleshooting

Declines, holds, disputes, and finding out where your money is.

- [I got a chargeback — what happens now?](/docs/troubleshooting/i-got-a-chargeback-what-happens-now/) — A chargeback is a customer's bank reversing a card payment and asking you to justify it. You have a deadline to respond with evidence — miss it and the case is lost by default.
- [Why are my funds on hold?](/docs/troubleshooting/why-are-my-funds-on-hold/) — A hold is always tied to a specific, reviewable reason — a payment risk check, a compliance review, or a new bank account being verified. It's not an arbitrary freeze, and you can always find out where it stands.
- [A payment says "failed" — what do the error codes mean?](/docs/troubleshooting/a-payment-says-failed-what-do-the-error-codes-mean/) — A failed payment is grouped by where it failed — validation, risk, compliance, the customer's bank, or capture. Here's what each group means and who can fix it.
- [How do I respond to a dispute and what evidence helps?](/docs/troubleshooting/how-do-i-respond-to-a-dispute-and-what-evidence-helps/) — Open the dispute, read the reason the bank gave, and respond before the deadline with evidence the charge was valid — proof the customer authorised it and received what they paid for.
- [Why was my payment declined by 3-D Secure?](/docs/troubleshooting/why-was-my-payment-declined-by-3d-secure/) — 3-D Secure is the customer's bank asking them to confirm the payment — a code, a banking-app tap, or a fingerprint. If it's not completed, the payment is declined. The fix is to retry and finish the check.
- [Why does my refund show "pending"?](/docs/troubleshooting/why-does-my-refund-show-pending/) — A refund is pending while it processes. Refunds are handled after the original payment settles, so a refund issued soon after payment waits briefly. After it succeeds, the bank still takes a few days to show it.