You ought to get a refund, assuming the transaction wasn't verified by PIN. Even if it was, a little tenacity is all that's required. Hail0 used to publish your entire identity on the internet and store it on your clever phone including name, address, photo ID, driving licences, bank account details, etc. Did you ever leave your phone into one of dem fordeners for repair or anything like that?
I'd imagine all small businessmen perform bank reconciliations on a regular basis.