pending payment but no charge?

i recently bought an in-app purchase in an attempt to gift it. long story short, purchase won't work and i'm attempting to refund the gift i bought twice. however, the charges are still labeled as pending in settings, therefore i can't request a refund.

in my bank account, however, there isn't a charge for either item, which is making me wonder how these items were meant to be paid for. i have money on the card linked to my apple pay to pay for both items (which is the card i used) so i'm not sure why it's an issue.

also, reaching out for support on the app i purchased from wouldn't be helpful, as they have already stated that it must be handed by apple due to it being an in-app purchase.

any help would be appreciated!