There is regulation where e-commerce companies can only charge you after they have shipped the item. That may be why it’s appearing as separate charges.
Charging at order time is common at least in Finland. Many common payment methods do not support "delayed" charges so all methods are often handled the same way, instantly.
I just saw this in SwedBank docs, though: https://developer.swedbankpay.com/payment-instruments/mobile...
> When dealing in physical goods using two-phase payment instruments, all goods must be shipped before you capture the authorized amount. This is regulated in part by the Swedish Distance and Doorstep Sales Act, required in our terms and (for card payments) required by Visa and Mastercard.
It says "in part", though, I didn't check what the Swedish law actually mandates.
> However, many credit card issuers have policies against sellers charging a credit card account before shipment.
Src: https://consumered.georgia.gov/ask-ed/2016-08-31/can-merchan...