Refund of unauthorised payment88

26th Oct I purchased a game pass from Microsoft and was notified that the purchase was not processed as they had problem, I immediately called Capitec to reverse the funds. The payment of R149 came off twice without me receiving the pop up messages to approve. On the 28th Oct, the money was apparently cleared into Microsofts account. They say they never received the money and now Capitec wants me to pay them R80 for each transaction that they must refund I have sent numerous emails and made endless calls, but to no avail. I have not received a response either from their complaints dept. I disputed this immediately on the 26th Oct and yet they still released the funds but I don't know to whom as Microsoft says they never received it else they would have refunded..