Payment debited from my Account, Steam purchase failed!

[Brother Babu]

So, a few hours ago I purchased 5 games on Steam after the payment went through from my card and moved to my browser as I got some small request from work. I came back to steam just to find that my purchase has failed.

Now I already have the message that the money has been debited from my account. Generally in such a case if the payment fails and the money is debited, I usually am refunded back in about an hour tops. No refund so far, no reply from steam support, games are still not showing in my library.

Anyone faced this on Steam before? Know anything I can do?

[Wolf Knight]

the money from a failed transaction is normally held for a few days by the bank. if they are releasing the funds sooner, that is their decision to make. since the purchase failed, steam support is going to be unable to help you since they didnt get the money. talk to your bank about the funds being held.

[Brother Babu]

Are you sure, because never have I face this before with my bank. Have almost instantly got the refund on failed payments everytime.

[gordo pt]

I have the exact same issue, my bank says that steam has a pending request for the payment, that means that steam have to do something. Or maybe my bank wants to steal my money, idk xd.

[Spawn of Totoro]

Originally posted by T3ŋcξx--I:

I have the exact same issue, my bank says that steam has a pending request for the payment, that means that steam have to do something. Or maybe my bank wants to steal my money, idk xd.

The pending request is a hold. Banks hold the money for X days. After that, the pending payment expires and the money is then release back to the account.

It means they are expecting the request.

If the payment shows as failed on Steam's end, then something failed along the path and the purchase needs to time out.

Valve can't do anything as it is the bank's process that needs to time out for them to release the funds back to the account.

[gordo pt]

The thing is, the bank told me to wait for 10 days. It´s been more than 10 days.

[Seretti]

Originally posted by T3ŋcξx--I:

The thing is, the bank told me to wait for 10 days. It´s been more than 10 days.

Then go talk to your bank.

[gordo pt]

Originally posted by Seretti:

Originally posted by T3ŋcξx--I:

The thing is, the bank told me to wait for 10 days. It´s been more than 10 days.

Then go talk to your bank.

Well, i'm already on that

[crunchyfrog]

Originally posted by Brother Babu:

Are you sure, because never have I face this before with my bank. Have almost instantly got the refund on failed payments everytime.

Yup, this is often how it works.

Commonly when a payment times out like this, it means your money has NOT left your account. It's just set aside so you can't use it.

It sits there waiting to see if any end of day routines fix the issue. If it does, you'll likely wake up the next day and see it went through (this is maybe what happened to you in the past). But if it does not, then it typically sits in your account, ring fenced for about 3 working days or so, upon which time it is freed up again.

If you are using a PROPER bank backed card, then you can ring them up and ask them to check the transaction failure, and they can return the funds instantly. But if they're a crap bank, or a third party payment provider they won't be able to do this.

So in those cases, you simply have to wait for the money to be freed up again in a few days. Note also it's the weekend so it can be 3 WORKING days.

[Brother Babu]

So...

Got this thing sorted. Steam actually said that they cannot refund the money into my bank so gave me steam wallet credit of the same amount. Works for me.

[crunchyfrog]

Originally posted by Brother Babu:

So...

Got this thing sorted. Steam actually said that they cannot refund the money into my bank so gave me steam wallet credit of the same amount. Works for me.

Yeah that's normally how it goes (and not just here on Steam).

Most vendors will either present the funds back the same way as you paid (indemnity) or offer credit. Obviously if the former fails, then the latter is the only option.