Apple payment declined but still charged from debit card.
I was trying to buy an In-App Purchase from a game (I've done it before and transaction was successful) but this time it says "payment declined" and I didn't get the IAP. However I was still charged on my debit card.
($9.98 gone)
I tried once more buy changing my payment according to this article If a payment card that you use with Apple Pay is declined - Apple Support, but it charged my card a second time.
(Now another $9.98 gone)
I looked at my Apple Pay wallet and it logged the recent transactions. However if I go to "reportaproblem.apple.com" from this article, If you see 'apple.com/bill' on your billing statement - Apple Support, I cannot find the transaction, so I cannot even request a refund.
How do I get my money back?
iPhone 12, iOS 16
