As soon as you speak to the human rep... and tell the issue. She or he would either be able to updated it on the system right away, or may forward you to the appropriate department. As soon as they update it. Sometimes they might tell you that it’s your bank, in that case, call the bank. And then call Apple back and follow what I’ve said.
As for me, I didn’t have any issue with my bank bank, I paid via Apple Pay from my iPad Pro. Which uses the device’s account number rather than my card number. Makes it easier. But yes, all now... find out what’s the issue. Is it them or your bank, they will tell you if it’s your bank... they would ask for the card back. If it’s you bank, they would tell you to call your bank... iron out the issue and then call them back.... if I’m you do that now. And as soon as they get the pay charged. Your status would updated to; preparing to ship. This happened with the other dude from the previous week.. he even posted that he had to call his bank... once he did that and called apple back they fixed everything he got his MacBook shipped. Go on... and handle this. I want you to get yours and feel the joy as I did.