Hi fi corporation Middelburg Mpumalanga

I needed to buy a laptop for work purposes today and payed with my bank card, the transaction declined on the card machine but the money was taken from my account and have not been refunded due to the transaction stating "pending" So I asked for a refund or the product, on which I was informed that its not policy as they do not have proof that I paid even after I showed them my bank statements as well. The fault is not with my bank but with your system, so I paid for nothing? I was then told that if the money somehow returned to my account, how would they know that I would come pay them? I could offer my proof of residence, my id card , the back statement and all. So yes I am upset that I paid for something I am not going home with and its not even my fault. Middelburg, Mpumalanga hi-fi corporation, your area manager lost you a sale and if my money is not returned by tomorrow, you will face legal action.