Bank payment can even fail and be hanging. I have severally had a failed bank transactions, and the cash actually left my account but merchant didn't receive it, prompting me to do a series of mails to my bank, because they have other customers complain to attend to, I had to place on the waiting line, well before it can eventually be resolved some do take many days, forcing me to make an alternative with the hope that my merchant was going to make a refund to me. In all these bank charges are nonrefundable.