For me it was.... either instant or 15 minutes. The 15 minutes was 'security check' stuff, apparently. But I was selling digital downloads. I'd just have to

For me it was.... either instant or 15 minutes. The 15 minutes was 'security check' stuff, apparently. But I was selling digital downloads. I'd just have to approve them instantly - no one expected they'd have to wait 15 minutes to get approved, even when I tried explaining it. So... I had some bad charges come back, but the download was already done - no way to protect myself. GC was pretty bad.