Payment processing depends on the payment method, and be completed within minutes, or it can take few hours. As soon as the payment is processed, Dev4Press website will receive notification and create an account (if needed) and assign purchased license. Once this is done, notification emails will be sent to you.
If this takes too long (one day or more), contact us and include purchase ID and email you used.
No. If you, for instance, purchased Developer license, you can’t downgrade it to Personal or Business with refund. You can wait for the license to expire, and then purchase new license.