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Check this link to see the status of your transactions:
https://help.steampowered.com/wizard/HelpWithPurchase
Pending means Valve hasn't got the money yet.
It can turn into;
1. Sucessful - You get the game/wallet money
2. Failed - You don't get the game/wallet money and your money is on hold, your payment processor will return it to you within the next few business days.
Steam has an automated system in place to keep you from buying a game twice accidentally.
but do you think that i can play it without ruining my refund?