The point at which Amazon initiates a charge varies depending on the product and the payment method. For digital purchases, the charge is often immediate. With physical goods, the timing is more nuanced. Typically, the authorization hold is placed when an order is submitted, but the actual charge doesnt usually occur until the item ships.
Understanding payment processing timelines benefits customers by allowing them to manage their finances effectively and avoid overdraft fees. Historically, the immediacy of payment processing was less consistent. Modern systems, however, are designed for near-instantaneous authorization, improving transparency and customer experience.