Thanks everyone. I paid directly with my visa card. I called Visa and they said that they cannot do anything yet as the transaction is still 'pending'. They said if it changes to 'complete' than they will get involved.

There's a ton of usefull info on this site which I've spent hours sifting through. This may become a more expensive hobby than collecting gen's becuase with a gen I know I could only afford 1 a year but I can see spending 2x that amount with reps.