The Banks might be doing somthing hookey with some credit card transactions!

I don't know what is happening here, but somebody should do some investigation and get to the bottom of it.  It seems that some banks (credit card companies or credit card processing services) are processing charges is such a way that they appear to debit customer's accounts, but report to the merchant that the charge was declined.  This has happened with at least 2 transactions where we were in the role of merchant, and now another one where we are in the role of the customer.  All three transactions that i know of were processed through different credit or debit cards.  Eventually with all  three transactions the banks acknowledged some error and facilitated the transaction. 

If anyone has had a similar experience with their credit or debit cards or merchant accounts, please let me know.