OVERDRAWN MY ACCOUNT, NO REVERSAL AFTER DECLINE

I have used scan to pay since they discontinued the Tap to pay with a phone. It declined and they merchant said it was not successful and I was told to retry. Now I'm told my account is overdrawn. Already it means FNB Will pay the merchant twice.

I am not happy with FNB anymore. A client of FNB for more than 14 years but even on secure chat they fail to resolve my issue.