Usually when something like this happens it entirely has to do with the use of an incorrect Billing Address. The Billing Address has to be the Billing Address associated with the card. If you put an incorrect Billing Address, as a fraud protection, it will say pending or processing on your account. We personally do not have your funds as this is a bank measure to stop fraudulent orders. It will go back in a few days. If not contact your bank about the discrepancy.