Issue with refunds to FNB card holding clients on Speed point

For over a month I have not been able to issue refunds to any FNB card holders (both Debit & Credit Cards) on my Nedbank Speed point . Based on the nature of my business I require that my clients give a deposit when hiring items. When the client returns the items I need to issue a refund of the deposit that was made on their card . My speed point reflects a kernel error 2 for all FNB cards . I have phoned Nedbank Credit Card Division on numerous occasions and they just say everything is in order on Nedbank's side and that FNB is investigating the issue .... How does it take more than a month to investigate why refunds cannot be processed on FNB Bank Cards ??? ... This is costing me a fortune in Bank charges as I have to make multiple refund payments from my cheque account !!!!