I have a text from my bank showing charge and I did not receive my purchase

Hi, and Welcome to the Apple Community.

NB: Your screen-shot says: "Please have the merchant retry the referenced transaction."

You may need to check the statement from your credit-provider

ie: ... to see whether you were actually charged or not.

If your statement shows you have been charged, you can claim a refund.

or

You can also check what you were charged for from Apple ...

... eg: maybe whatever you purchased requires downloading ...

If you see 'apple.com/bill' on your billing statement:

How to see what you were charged for

If you see 'apple.com/bill' on your billing statement - Apple Support

How to:

Redownload music - Apple Support

Redownload books and audiobooks - Apple Support

Redownload apps and games from Apple - Apple Support

Redownload TV shows and movies that you purchased - Apple Support

How to: Request a refund for apps or content that you bought from Apple - Apple Support

or to:

Contact Apple Support:

Choose your country or region - Official Apple Support

All the best :-)