Charged for no product

I placed an order with Mr Delivery for Steers last night. My card was first charged and then the message I received was that Steers does not have stock of the items I ordered. The payment was not reversed. I then received an email that the money will take 5 days to be repaid, and if it is not, I need to visit my bank. I am an emergency nursing sister. I work everyday, 6 days a week, and I am not able to run to the bank for an issue that was not my fault. Why is the credit card charged before the order is confirmed? That is ridiculous. I expect the money to be paid immediately, it is absolutely unacceptable that I have to wait for that amount of money (over R300), and even consider needing to go into the bank. It is not mine or my bank's fault so Mr Delivery needs to sort this issue out as a matter of urgency. I certainly will not be using their services again.