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Why is Steam purchase pending for so long?

Steam Transaction Pending Error: Causes
So if the network at the user's end is unstable, then the bank doesn't initiate the payment until all the steps are completed, as it might result in pending payment. There might be a possibility that you already have a payment pending from a previous transaction.
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What's the longest a transaction can be pending?

A charge can be pending on your account for up to five days. There are several factors that affect how long a pending charge will appear on your credit card. These include when you made the transaction and how long it takes the merchant to process it. Card pre-authorizations may also show on your account for longer.
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Why is my Steam money stuck on pending?

A Pending transaction occurs in Steam due to an incomplete Steam purchase. Although the Steam purchase experience is quite secure and good but due to any network glitch, the payment process might get stuck and when the user tries to carry on another purchase, Steam will show the pending transaction error.
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Why wont my Steam purchases go through?

My purchase attempts are failing. What can I do? If you are attempting your purchase through the Steam website, please try purchasing through the Steam application, or vice versa. Disable or completely remove any IP proxy or VPN software that you may be using, restart your computer, and test your purchase again.
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Why is my purchase pending?

A pending transaction is a recent card transaction that has not yet been fully processed by the merchant. If the merchant doesn't take the funds from your account, in most cases it will drop back into the account after 7 days.
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STEAM PENDING TRANSACTION ERROR FIX (TUTORIAL) |Steam Store Checkout

How do I make a pending purchase go through?

The fastest way to resolve this issue is to contact the merchant directly. If they're able to remove the pending transaction, it should be reflected in your account in about 24 hours. If they're not able to help you, pending transactions will fall off automatically after 7 days.
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Are pending purchases bad?

Absolutely not. Pending transactions mean exactly what the name implies. The charges are merely anticipated, based on activity in your account. But they won't become fully effective until they are submitted by the merchant, and have fully cleared your account.
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How long should a Steam purchase be pending?

Q #4) How long does a pending transaction take Steam? Answer: The transaction period depends on the bank's policies, but according to Steam support, it takes up to 10 days.
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How long to wait between purchases on Steam?

So if you're trying to buy a game that's on sale, but you have trouble purchasing, Steam will let you try the purchase again within the next three days. We want you to be able to purchase and enjoy games on Steam.
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How long does it take for Steam to approve a purchase?

Our review of your game or software build prior to release typically takes 3-5 business days to complete, but we ask that you plan for at least five business days to ensure that we are able to review and approve in time for release and to allow for time in case an issue should arise.
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Why is my Steam refund pending within 12 hours?

It generally takes them an hour or two to issue the refund. If it is still pending, then they are considering you on a case-by-case basis as you've gone past the regular limits of 2 hours playtime or 14 days after purchase, and they must come to a conclusion based on the information you provided.
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How do I cancel a pending transaction?

Your card issuer is not able to alter a transaction until it's finished, making cancelling a pending one a bit tricky. Your best bet is to contact the merchant who placed the charge, so they can contact your card issuer and request the transaction be reversed.
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How do I skip a pending refund on Steam?

If you want to skip/minimize the pending stage, pay from and return everything to the Steam Wallet to take the banks out of the equation.
...
  1. You buy a game, Valve gets a confirmation that there's enough money in your account and proceeds with the transaction. ...
  2. You do a refund and it gets approved.
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Can a pending transaction be Cancelled?

When a transaction appears as pending on your account it means it's not complete as it has not been fully processed. You're unable to stop or cancel the transaction until it is complete. It generally takes 3 to 5 business days to process a transaction, although it can sometimes take up to 10 business days or longer.
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Do pending payments clear on weekends?

Do banks process payments on weekends? Weekends are generally non-business days for banks. Payments received on weekends are generally processed on the next business day, Monday, unless it's a federal holiday.
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Does freezing your card stop pending transactions?

If I have a pending transaction when I freeze my card, will the transaction be paid? Yes. Transactions which have already been authorised will clear. It is only from the point that the lock is put in place that a initiated transaction will be declined.
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Can you buy a game 2 times on Steam?

You can only own a single copy of any game per steam account, in some cases, extra copies, can be given away to another steam account. So if you want to buy it again on steam, you will need a second steam account for that copy.
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Can you spend pending money on Steam?

Could I spend this money, or do I have to wait until its in my steam wallet? You will not be able to spend it until it is no longer pending.
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How do I skip Steam purchase cooldown?

All you need to do is have your friend buy the game as a gift, and give it to you, and then you can just pay them back later since there is no cooldown on recieving gifts, you should have no problem doing this.
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Why is my Steam refund pending for 2 days?

Approved refunds can take up to 7 days to appear in your account – however, refunds to international payment methods may take longer. If your refund hasn't appeared after 7 days, please contact your bank directly and ask about pending refunds on your account.
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Does pending mean I owe money?

Pending transactions only affect your available funds. While the transaction is pending, the transaction amount is deducted from your available funds. Your account balance is not affected by a pending transaction; it only changes once the payment is fully processed.
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Does pending mean not available?

TLDR: A pending transaction is any transaction that has been authorized but has yet to be posted to your account. Pending transactions can impact your available balance (the amount of money you have available). A posted transaction is a completed transaction that has been fully processed.
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Will Steam refund a game over 2 hours?

Steam will offer refund for in-game purchases within any Valve-developed games within forty-eight hours of purchase, so long as the in-game item has not been consumed, modified or transferred.
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Does Steam deny refunds?

It is worth noting that although Valve is pretty relaxed about Steam refunds you can still be denied a game refund request if the company suspects that you are abusing the system. So don't go requesting refunds constantly or trying to use the system to speedrun games and then ask for a refund.
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How can I speed up my pending refund?

Request an expedited refund by calling the IRS at 800-829-1040 (TTY/TDD 800-829-4059). Request a manual refund expedited to you.
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