Banking institutions have their own business regulations, which are completely unrelated to our online payment applications and out of our control to amend.  Once a transaction is submitted, if it is rejected due to address issues, the issuing bank locks the funds for 2 to 3 days depending on those individual regulations.  After that time has elapsed the funds are released, and only the successful transaction is charged to the customer’s account.  The fact that the transactions are rejected once the bank issues the warning is indeed a good security procedure to protect the customers against fraudulent charges.

Credit card transactions are often rejected by the credit card company when the billing address that you entered in the web page does not match with address the credit card company has on record.