You may think this abnormal but it is not really abnormal at all. We have specific parameters we must follow based on our bank procedures to counter the high amount of fraud in orders like this which means each and every order is hand verified checked against data collected when they order IP addy we do email checks address checks etc. Now as a check here take vbulletin which is the biggest seller in this market we have here. Do they offer instant downloads? No they do not at all! They have the same fraud prevention in place we do.
Just something to ponder. It really does not matter whether we use our own store we create yahoo google etc we still have to hand verifiy information based on our banks policies to cover us.