Online payment received a short message from the bank, but the merchant said the payment failed.

Credit card consumption is sometimes not deducted in real time, and banks have a saying about credit card consumption called "deduction". This means that the banking system has this consumption, but it is not sure whether it can be deducted. Generally, when you call the bank, the bank will tell you that the consumption is successful when it sees the suspense. However, if there is a problem with this consumption and it cannot be successful, the account will be automatically cancelled after seven to thirty days, and the bank will tell you that the consumption has not been successful at that time.

This is one of the reasons why sometimes when you call to inquire about the total amount owed, the bank will prompt you that the final repayment amount should be based on the statement.