If the software was good, it would have either returned an error prior to withdrawing funds on the 2nd transaction ($10k), or the return would be $25 (and then

If the software was good, it would have either returned an error prior to withdrawing funds on the 2nd transaction ($10k), or the return would be $25 (and then it's fine the 3rd transaction failed). Only as a third option would the 3rd transaction be the one that is accepted after rejecting the 2nd entirely. But lots of ways to "fix" bad software.