Standard Bank failed me as a client of more than forty years

On Friday I purchased an item needed for alternative power source from a supplier in Somerset West given the seriousness of load shedding in the country. When paying the amount of thirteen thousand seven hundred rand by debit card the machine displayed the choice debit master card or credit. Having selected the debit master (as I do not own a credit card) a further option displayed budget or straight. I found this strange as it was not a credit card but a debit master card payment. After several attempts the transaction declined on each attempt notwithstanding that I had sufficient funds and even increased all the limits on the standard bank app. A second assistant tried to put the transaction through using a differ banking machine but yet again using the debit master card option the choice straight or budget was again given thereafter the transaction declined yet again. After all else failed I went to Standard Bank across Somerset Mall and explained to the lady in the bank what had happened whom confirmed that there was indeed sufficient funds in the account but blamed the merchant. As it was late already and traveling from Langebaan some one hundred and fifty kilometers away, I had to draw cash to make the payment. After the purchase and checking my bank account I discovered that the bank had charged me more than four hundred rand for the transaction at the bank. This I feel is unfair as it was not by choice that I had to draw the money but because either the merchant’s bank machine was faulty by giving an option of straight or budget for a debit master card transaction something I have never in the past experienced after having been a client of Standard Bank for over forty years or the banking system was faulty by declining my transaction nor did the Standard Bank teller or assistant warn me about the additional charges or advise me and assist me by first drawing the cash at the ATM at a lesser charge.