You have likely not been charged. When you make a purchase request with the Zip Canada, we pre-authorize your payment card for the first installment for 25% of the value of your purchase request.
If the charge is unsuccessful then the pre-authorization will be cancelled. This usually takes 24-48 hours, although in some cases this can take up to 13 days.
If a purchase request is cancelled before making a purchase, you may see the pending charge disappear, or a pending credit for the same amount appear (these will cancel out in your account). These will also fall away, usually in a couple of days.
A final authorization is made that will reflect the first installment amount once you complete your order and your card is actually charged - since your order was successful that authorization will post to you card as your first installment payment.
If any unfamiliar pending or extra / double charges do post to your account, please let us know and we'll be happy to look into this matter for you.