I bought a phone with credit card and I got this message also? I didn't know it would be a hassle to pay for something on here, no other site puts a hold on paying with a valid credit card, all they have to do is see that the card is good.
The app's payment processor (Stripe) needs to verify that the cc belongs to YOU, which means they are cross-checking your ID to make sure that the cc was issued to you.
Verifying that the card is being used by an authorized user is different from checking the validity/funds availabilty of the cc.
I paid for an item with credit card (cell phone $350) and got the """We're reviewing your offerOur payments team occasionally reviews some offers, and they're taking a look at this one. It could take up to 48 hours for them to finish, and we'll let you know as soon as they're done. Meanwhile, please don't enter another offer. We apologize for the delay.""" ... how long before the seller ships the item? I've never had this happen on eBay, Amazon or anywhere, really.