How to fix payment error that charges customers without verifying orders?

Topic summary

Main issue: A customer got the error “Your payment details couldn’t be verified. Check your card details and try again,” yet their bank app showed a charge. The store showed no order and no funds received, and the poster asked how to stop customers being charged when an error occurs. They noted others reported similar errors but typically without customers being charged.

Latest update/resolution: The root cause was ZIP/postal code validation during payment. Disabling ZIP code validation and keeping only CVV validation resolved the issue.

Context/notes: CVV is the card’s security code; ZIP/postal code validation checks the billing ZIP against issuer records. No images or code were provided. The thread is resolved with this configuration change, and no further action items or open questions were reported.

Summarized with AI on December 31. AI used: gpt-5.

I have a more complex problem ( a lot of people had this problem but the customers were not charged) and I would appreciate it if you could help me. a customer placed an order and received this error (Your payment details couldn’t be verified. Check your card details and try again) but after the error he was charged with the amount of my product. it appeared in the bank application that the money was withdrawn, I don’t see any order placed in the menu of my store or that I received any money, what can I do so that customers are no longer charged for any error they receive??

I fixed it , it was ZIPCODE Validating , i turned off that validation , i only let CVV Validating