If you have bought an item and sent the tradeoffer, then the money is charged from your card/wallet right away. We do this to prevent scams 💵
If you paid with wallet, sent the tradeoffer, and the seller does not accept the tradeoffer in time, your money will get transferred back to your wallet instantly once the trade expires ⚡
If you paid with your card, the funds will be refunded the same day or the next coming business day - you should see the funds in your bank account within 5 business days 🏦
For wallet+card, check here.