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It should expire. Also this is why you use synchronous callback mode in your card gateway, like we do. There's always a window of fail, though (in our case, we might commit to DB but then the ack reply never makes it to the gateway, so you get in for free).
But at least in that case the window of confusion is entirely outside the users' control (it would require a network failure between the card gateway and our server in the middle of an HTTP POST handler).
