Shocking Service!!!

I placed an order yesterday afternoon at 16:00 pm and paid extra for next day delivery. The money was deducted from my account. I received an email last night from Takelot to pay for my order. I chose Ozow as a payment option. This morning my order reflected awaiting payment. I phoned the call centre and they advised that they did not receive the payment. I forwarded them a proof of payment, order still unchanged. Phoned Takealot again and they said the problem must be with my banking institution. I send them proof of payment (Bank Statement), no success. I eventually just asked them to cancel my order. The consultant says to me that i won't get a refund because the payment is not reflecting, so who will be refunding me?