1. Sometimes there may be technical problems in the bank, so that the merchants cannot receive your money. In this case, you can contact the bank and let them solve the problem. Usually, the bank will solve this problem within a few working days and refund the money to your account.

2. Merchants may encounter some problems, such as frozen accounts or closed accounts. In this case, the merchant can't accept your money. You can contact the merchants, ask them if they have any problems, and ask them to solve this problem. If the merchant can't solve this problem, you can try to contact the credit card company and let them intervene.

3. If you enter the wrong credit card information during payment, the merchant cannot deduct the money from your credit card. You can contact the merchants and ask them to confirm whether they have received the correct credit card information. If you find that you have entered the wrong information, please contact the credit card company as soon as possible and ask them to help you correct the information.

4. Sometimes, network problems may cause merchants to be unable to receive your money. If you encounter this situation, you can try to wait for a while and then try to pay again. If the problem still exists, please contact the merchant or credit card company and ask them to help you solve the problem.