Difference between paying with a credit card versus a debit card
With credit cards, your account is charged when items ship; with debit cards, funds are reserved at the time of purchase, which may make it appear as though payment has been collected. If an item is unavailable, the debit card authorization will be released, though it may take 3–5 business days for your bank to return the funds.
The main difference between paying with a credit card versus debit card is that most credit card companies charge a customer's account when items are processed, which, in our case, is the time the items are shipped. In contrast, most bank debit cards reserve funds at the time of the original transaction, making it appear as if payment has been collected. If an item is not available for shipment, the authorization to your debit card will be released. Depending on your bank, it can take 3 to 5 business days to return funds to your account.