It's not a direct charge, it's a direct charge. Simply put, your last transaction was unsuccessful, and then you swiped your card on the pos machine. If the transaction is unsuccessful, the money will be returned to your card (not immediately, it will take about two days to return to your card), including when you transfer money through online banking. If you enter the wrong card number, you will also send a text message saying that it is a direct charge, and then the money will be refunded to you. This seems to be instantaneous.