yea, it is these damn gateways that the issues are arising from.
Some get a message telling them that the payment did not work and try again, but then a day later they do end up getting the code of which the gateway said it did not work, so they then get two or more codes that they did not need or can afford to pay for. Then a refund is needed , which does work but is a slow process.
They (the administration) needs to contact these gateways with some serious questions and possibly fired them and get new ways of payment.
Hopefully this is already in process.