Overstock currently charge your payment method immediately upon order submission for most orders.
Some orders paid for with a Visa, Discover or American Express credit or debit card may not be charged until your item(s) ship. Upon order submission, Overstock will do an authorization to validate your card and verify funds are available. If you used a debit card, this authorization may show as a pending transaction.
Once your order is shipped, Overstock will officially bill your card and your pending transaction or authorization will be released by your financial institution. Most U.S. banks may hold authorizations for up to 10 business days.