Photoalley is suck.
Their system produced an order number and authorized the charge...but the CSR says it would never have been placed because I used the MSN passport and "that doesn't really work well".
Good thing this wasn't as hot as I thought...I got a Olympus D360L for $219 from 800.com, but was going to swap it for this and get an SLR too. I want both, but can't spend $400 on two Cameras right now...