Replenishment of money?

Question

Payment systems

payment for goods and services. what operation is happening now

Answer 1

Banks (at least in Russia) do not work with electronic money.
Unless it's a bitcoin bank.

Answer 2

Yes, maybe, often for the "security service". Call the bank and find out about the specific failed transaction.

Answer 3

if payments are made on a regular basis, banks have questions about payments and the origin of this money.