I just ran a test with a few different webhooks to confirm what happens with pending refunds and webhooks. You do receive webhook notifications as the refund progresses: initially when you call refundCreate, you’ll get orders/updated and refunds/create webhooks immediately. Then once the pending refund actually clears, you’ll receive tender_transactions/create and orders/updated webhooks again.
Your suggestion about adding a note like “excludes pending transactions” and potentially having a totalAmountSet field for requested amounts regardless of status are both valuable feedback that I’ll pass along to the team.