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This hold should drop off after a few days and the money become available to spend again. If it doesn't you need to contact Mastercard to sort it.
and it says it's a pending purchase
Pending is not completed, if it's not completed you haven't paid for it yet. If the transaction ends up going through you'll get the game. If it fails, you won't and any money held by your bank will be made available to your account again.
You can try the transaction again, if it continues to fail, ask your bank what the problem is. Nothing Valve can do to force your bank to approve the transaction.