Failed purchase doesn't equal a refund

I made a purchase on the app with my cheque card on the 14th of October. As per usual, I received an SMS and an InContact app message from FNB immediately, stating that the amount was reserved for the Takealot purchase, yet I didn't receive a payment confirmation from the latter. The following morning, after the order still reflected as unpaid with Takealot, I sent them an email. The transaction reflected as pending on my bank account and I was informed to obtain the authorisation code for it, which I relayed to [URL Removed] I was informed that the Finance Department instructed FNB to recredit the amount to my account as [URL Removed] was experiencing problems with FNB card payments. This was supposed to take only 3 business days. I opted to cancel the transaction as I find other methods of payments less safe than card payments on the app. When my account still wasn't credited yesterday, I inquired with Takealot as to the status of same. I was informed by Nicholas that it wasn't Takealot's resposibility to reverse payments for cancelled orders and I should sort this out with FNB. It IS Takealot's RESPONSIBILITY to inform FNB to reverse the money that has been reserved, not mine!