This mostly occurs for International Payments.
Our Payment Processor wont accept all International Payments which is why we recommend Crypto Payments via Coinbase Commerce.
These charges are PENDING transactions. They will be reversed by your bank within 24 hours. This process can take longer if its a weekend.
A card can be charged multiple times if the Pay Now button is clicked multiple times after receiving a Error message. (For Ex. Billing Zip Code is Incorrect)
If you'd like to place an order and you've received this message, Please confirm the zip code is matched to the one used when you created the card. (Billing Zip)
If so, Contact support@rubypearlco.com and we will see if we can work out another payment method for you!