When a submits debit or credit card information to an e-commerce website, it is in turn submitted to the Payment Gateway website. All the data from the payment gateway website is then relayed to the bank server. The validity of the data is then verified through the payment terminal and the output is sent back to the payment gateway and the result of the transaction is conveyed to the e-commerce website.
There are so many processes involved when purchasing a product from an e-commerce website and the validity of the data is checked at every step. In order to prevent fraudulent transactions, the slightest inconsistency of data can lead to payment rejection. Refreshing a webpage during a transaction means resubmitting data. If the data is re-submitted, inconsistencies are noticed by the gateway and therefore the transaction is automatically canceled.
Cross server data is so sensitive that it is necessary to decline a transaction, if there is a slight discrepancy. So, if you submit your details for a second time, the payment ought to be canceled.