Sounds like your CC company/bank is working pretty damn well if it was that fast.
I have always used a CC to purchase FS software from the web and the only problem I ever had was when Aerosoft was hacked. I bought one thing directly from them via the web and had to have my card replaced with a new one. ORBX and or the FSS has never presented a problem.
Lets not get a PayPal/NO PayPal discussion going here it has been done to death on the ORBX forums and for ORBX PayPal is a
dead issue. It has tied up a lot of ORBX funds (6 figures according to ORBX) and wont release them so ORBX 'circle filed' the pirates.