Zapper taking money but declines order without reason

Downloaded the app to assist with making fast payment, went thru the complete process to buy photos from my past race.

After making payment and Zapper deducting money from my account they decline my order.

Now I must go thru a process to get my money back as they can't do anything from their side but send me a survey to fill in. If I didn't log a complaint they would have kept my money as they don't even inform you the order is declined. 5 working days to pay your money back, what if this is a very large amount? They won't care as it seems they don't even worry about their app not working. Can't give a reason why or try to assist further, just sorry we will refund you.

Be careful before paying with this app. Might put you in a hole if paying large amounts and Zapper takes your money but declines your order.