Our checkout process will encumber the funds on your card immediately when the transaction is processed. To the buyer, this will be when you are redirected to the confirmation page and receive the order confirmation email. We do this so we can continue to ensure that orders can ship the same day or next morning.
In cases where we are not able to fulfill an order, you will receive a note with the reason and a refund email once that is initiated from our side. This will initiate a reversal of the transaction with the credit card bank to return the funds to the purchaser’s card. The timing of that is entirely dependent on the bank, but normal time is 24-48 hours during the business week.