The PIN email doesn't seem to be coming through. - 15 minutes and still waiting, junk folder checked.

What I find concerning is that the system requires the most recent PIN if you've made multiple retries trying to overcome this issue.
The problem is, when a user does eventually receive an email, they would not know whether it pertains to the last attempt or one of their previous ones.
So, there's a chance an incorrect PIN would be submitted with the registration form.
What would happen then? - Would the user have lost their funds forever, because the PIN that was meant to be entered never got delivered?
Or does the form validate the PIN before finalizing registration?