Why does ShopPay double charge and how can it be fixed?

[michaeldancurti]

So, I have been having this issue for some time, ShopPay double charged my account, and while I understand the process and how its happened... this is a MASSIVE failure of the system and no one seems to care to fix it .. or seems to think they can.

Let me explain the process on how this breaks:

1) you buy something
2) BofA sees the transaction and thinks its Sus, so rejects and ask for verification... 
3) you say "nah that's cool" 
4) BofA allows the transaction to go thru.... 

Here is the problem.... ShopPay Submits it twice, and BofA sees it as 2 transactions cool no problem, because the first one will be abandoned anyway right?

WELL YES .... sort of UNLESS
The merchant has to back out the order and cancels it... there is a BIG Problem because shopify doesn't send a reversal on the second one..... just the first one. And this is where it gets REALLY BAD. 
Because of the nature of the system, while the Shopify platform sees it as a canceled order, the ShopPay platform does not.... and thus confirms the transaction a day later.

Now I am 7500 USD down, having to wait for my bank to SLOWLY dispute the transaction while the merchant who ISN'T a nerd can't understand where the money is at. 

GUY'S YOU WANT TO PLAY WITH THE BIG BOY'S YOU HAVE TO WEAR THE BIG BOY PANTS

Solution - When an order is canceled, all transaction request should be reversed at that point, there is no risk of an over reimbursement because reversals ARE NOT credits, while some banks will treat them that way, if the person chooses to empty out their account because they see some big ol balance, that is on them ... not the clearinghouse. HOWEVER, rest assured, Taking an unauthorized amount of money from someone account.... that... that's on you, and you ARE liable. 

Please fix this