"I apologize for not following through on my transaction with you. I am new to Listia and for whatev ... " (more)er reason I was not able to complete the financial part but, slowly I am learning. I hope to do business with you in the future."
"I sincerly want to apologize for not completing my transaction with you I tried to pay as requested ... " (more) and was unable. Thank-You for being so patience with me hopefully I will figure things out and will be able to participate on Listia. ;-)"