There could be 2 scenarios – (1) The payment got authorized by the bank however the communication of the same was not received by the Payment Gateway. In this case your account will get debited by the bank. The payment status will be Initiated/Failed/Dropped. We receive a confirmation from the bank later and then we initiate a refund for the payment to the client’s account. (2) The payment didn’t get authorized by the bank. In this case your account will not be debited and we don’t get any further updates from the banks. The payment status will be Initiated/Failed/Dropped.