You will also pay NY sales tax if you pick it up in-store.
That sucks about having a glitch on your card and they sold out while you got that straightened out. I had something very similar happen when I ordered mine. My CC company would not let it go through, because they thought it was a possible fraudulent charge. I received an email from them literally within seconds of the attempted purchase. The cam was still in my cart on-line at B&H. I immediately logged into my CC account, verified that I did recognize the attempted transaction and logged back out. Re-entered the CC info at B&H and all was good within minutes and I had my camera the next morning. I hope you can get yours soon, you will enjoy it.