Poor service Clicks

I visited the Clicks at Strand Square today as was totally disgusted and embarrassed by an incident. We were paying for our items and the cashier says our transaction had been declined. She informed us that we had reached our limit. Upon being told this, we made our way to Capitec which is 20 meters from clicks. The consultant at Capitec bank opened up our statement which showed that the transaction did go off our account. We then went back to Clicks to show them this as it showed on our banking app as well. The manager at Clicks then gave a long excuse and his solution was that we pay for the stuff again and wait on a refund. Is that the only way that Clicks sorts out these kinds of situations. What would they have done if this happened to 10 other customers? Were they going to ask those 10 customers to pay for their stuff twice? This was truly poor from Clicks and also caused an embarrassment for us. Upon leaving the store angry as hell , empty handed and having paid for stuff I couldn't take , I then received a call from them to say that they will investigate and if I don't get a refund in 2 days, I must inform them so they can take it up further. This whole ordeal has put me off and clearly some training needs to occur within the Clicks group on how to treat customers.