Why are my steam money pending?
Steam is a very secure service, but if there’s some network problem during payment, then the transaction could get stuck. When you try to make another purchase on Steam, it will show up as pending and not be completed unless both buyer and seller take extra steps.
Why did my steam purchase failed?
There was a problem with your card’s billing address. Your order could not be completed because the currency of funds in your Steam Wallet does not match the currency of this purchase.