It isn't just the shop.

They cancelled my order claiming it wasn't paid, despite the bank stating clearly and unequivocally that it *was*, and proceeding to keep the payment held for the next week..

I'd be quite happy to have a bank watching over my account to be honest. I'm much less happy to have to run around in circles to try to pay for a £500 device, when every other retailer seems to have no issues in taking my money.

Moving on from that, most banks don't outright reject transactions. They mark it as pending authentication and tell customers to contact them - Nokia however seem to interpret this as a decline, and cancel t he order as a result.