Hello eneikibanaan
Welcome to the SBB Community.
The money is not lost. It was simply a reservation and the money will be back on your account within hours. It might have happend already.
The simple debit from your account does not mean the payment was successful.
For a successful payment, please make sure your card supports 3D secure ID which is mandatory for the SBB webshop for a successful payment.
Kind regards,
Roland