I've been asked by Dafydd to post a follow-up on this experience and am delighted to do so.
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I was finally able to locate an actual customer service phone number for Digital River - but not from any Digital River website or Cyberlink website. What I was also able to locate was thousands of similar complaints about Digital River specifically noting the absence of any such contact phone number, and especially associated with what I perceived to be an overcharge on my debit card.
By the way, that phone number for the Eden Prairie, MN offices of Digital River is: 952.253.1234 Select "1" as soon as you hear a voice begin talking and you will be redirected to a customer service department. I found this phone number on a completely unrelated website that specializes in locating hard-to-find phone numbers just such as this!
So here's the upshot: they (Digital River) not only take the original transaction total amount 'charged' (in my case, directly debited from my account, cash, out the door, now) but they also take an additional amount to 'guarantee' the transaction while they 'confirm' the credit card has such an amount available for charge. In my case, of course, it would appear they took cash out twice - the 'pre-authorization charge' they called it, and in an amount that may or may not match the actual transaction amount - and they have assured me that my account will be reimbursed that 'pre-authorization charge' within 24-48 hours of the transaction. In this case, I should see the money back in my account no later than the end of the day tomorrow.
Okay, I'm totally wrong about Cyberlink, and stand corrected. Like I originally said, fine, fine product.
I see that I am, however, one of merely thousands of people who had a similar complaint about the handling of the transaction by Digital River, and so I do feel relatively vindicated in having believed something was amiss from the start. The fellow I spoke with in Eden Prairie Minnesota (but most likely in India somewhere, based on his accent!) said he gets calls like mine all the time and was used to them. Bottom line: Digital River knows it's online procedure often raises hackles and makes it very difficult to get in touch with a real human, because most of those calls involve high-pitched, fire-breathing whackos just like me. A simple statement on their own website that one might anticipate a 'pre-authorization charge' to show up temporarily on their credit card account would at least deflect if not resolve this problem quite easily, I suspect - but then, that's customer-centric, not company-centric, and that's apparently not how they do business.
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And, finally, I will again apologize to all members on this site whom I may have given offense to in my earlier knee-jerk reactions and subsequent diatribe. I promise to keep it civil, cordial, and friendly, and related to matters regarding the software from here on out.
Thank you again, Dafydd, for your extraordinary efforts to help me resolve this.