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The transaction will either succeed or fail. If it fails, the money will be released back into your bank account. Note, this not a refund but a cancelled transaction, so it won’t show on your statement as one.
I did click "Go back to merchant" after paying with Skrill, maybe should have kept the window open. Don't think I did anything wrong in terms of payment process, so I'm pretty sure it's Steam's fault.
And, yes, it’s super annoying though.
And is this issue temporary, if it's only been happening for the past week?
If the payment fails for whatever reason, should I attempt it again or what?
I asked Steam support but who knows when I'll get a reply.
Pending transactions aren’t new, but Skrill, iDeal and Paysafe are particularly prone to periods where multiple users will have an issue. This usually happens during sales but for the last week or so Skrill payments have been a bit finicky - could just be the Xmas season.
You should be fine attempting it again but if you want to be 100% certain, load your wallet and pay or use PayPal.
If serious, open a new thread and ask Steam support for help.