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https://store.steampowered.com/account/
What happens is the payment method sets aside the funds, and may even say it was sucessful. But Steam's side something goes wrong, some verification fails. Steam refuses to collect the money (anti fraud system) and the game is not given. Depending on your payment method, the money will eventually be returned to your account. It may take a few days, or with some less reliable payment methods, may actually take you calling and contacting their support system to get the money returned (like PaySafe Card, horriblely unreliable for suff like this).