well what do you mean by "charge" ?
there are 2 steps "auth" and then "settle" many mechants in the US will run the "auth" right when you click the "submit" button.
but that only put the money on hold and verifies to the mechant that your card is valid and has funds to cover the order amount.
then they have 3 to 7 days to "settle" that is when your bank closes the trasnaction and starts to send the funds to the merchants account.
for example I ordered a custom HP laptop.
they did an auth and left it open for about 4 days.
that gave them time to verify the hardware would be delivered and that i was not going to cancel the order.
then they settled.
in faster order cycles they auth when they get the order and settle when they seal the box and hand it to the shipper.
-- I have written software that does CC processing for small shops and worked on billing systems for monthly billing of customers here in the US.