I order from Bbay often, and I have never had it take more than a couple of hours to complete the whole transaction. I pay them through PayPal, and generally Kamarak responds within the hour with my download data. It looks a lot more complicated than it really is, even for those of us who have yet to get our credit card verified with Kamarak. It's a great online store, and their merchandise nicely complements the selection we have here at Renderosity.