refund my money

i made 3 online purchases of ebooks 1 on the 27AUG 2015 and 2 on the 28thaug 2015. i then didnot receive the merchandise and i consulted with capitec and asked why where the goods not paid for but the money has been taken from my account. capitec said they are holding the funds as they are waiting for the merchant to request to be paid as it reflects in my bank account as payments not yet made. i then consulted with the merchant to ask why they are not making request for payment with capitec the merchant informed me that they never accepted the purchases they were declined which is true because when the transaction was processing it indicated that the purchases were declined. i am really suprised as to why capitec is holding those funds because it didnot go through in the first place and the money which is reflecting as being held on my statement is less than the amount which they took.<br>