high value transaction entering pin got error message said payment failed oops something went wrong try retried got error entering pin checked transaction history pay no entry minute later got sm bank two deduction looked pay transaction history showing two successful transaction contacted pay support said since final status success cannot anything pointed app given wrong status actually encouraged retry brushed away responsibility saying intermediary contact bank recipient aware pay intermediary not take liability even mistake really careful transacting especially high value transaction better using bank app even unfriendly since take far precaution ensure transaction security something go wrong liable