Why does the payment go through immediately, without the ability to refuse?

Question

Classmates

Good afternoon. I'm testing payments in my game. Immediately after clicking on the buy button in the game, a successful purchase occurs with the withdrawal of OK from the account. If there is no OK on the account, then a window appears with a choice of payment.
Is it possible to make the window with information about the product and the method of payment always shown? Or is it shown only when there is no OK on the account?