Every time I purchase a digital download I get this nonsense -> 'Payment Processing'... even though Etsy has already taken money from my card! It seriously puts me off buying any digital download on Etsy.
Etsy has to wait, just like every other platform, for the payment to clear the bank in case of card fraud.
Wait for what? They already took the money out of my account!
This never happens on any other platform except Etsy.
It can take a few minutes. It's not long. I have bought several downloads over the past couple of years and seldom had to wait long. The short time for a CC check is fine with me. It protects Etsy, the seller and the buyer.