If your card is refused, that is different than if you don't have enough money. It will try to clear 3 times on that account before giving up. You should know that when a card is refused, or the none of the retries has cleared, you cannot use that card again, regardless how much is on it.
If this is a debit card, you may have deposited the money, but your bank hasn't put it to your account yet. It goes like this:
Deposit cash to account>Bank updates account>Debit card co. (Visa/Mastercard)update card
Hope this helps