I have read my Merchant Account agreement both for MasterCard and Visa. I've also talked with customer support reps on this exact subject. They say, and have in writing, that it is not an authorized charge for a product or service unless it is either delivered (i.e. handed to) a customer at the time of card authorization, or physically shipped to the customer at the time of card authorization. This, in what they say, does not cover any type of deposit for 'future delivery of a product or service' (in my case, a wedding deposit to hold a date to photograph a wedding). While it wasn't a case of mine, court proceedings have been done on this type of TOS violations against unscrupulous photographers.
So, again, UNLESS Vaja has a specific exception written into their merchant account TOS (which is highly unlikely, as even Amazon.com can't get it in their merchant account TOS) with EACH of the credit cards they accept, then charging a customer's CC before production or shipment is a violation of the merchant account TOS.
I'm no lawyer, so feel free to contemplate or banter on this all you want. Here is the text on most MasterCard and VISA merchant accounts.
11.1 For each Card transaction submitted to us, you warrant the following: (a) it is a lawful sale/rental not previously submitted and is only for the items sold or rented (including taxes, but without any surcharge); (b) it represents an obligation of the Cardholder for the transaction amount; (c) it is not an amount charged subject to any dispute, set-off or counterclaim; (d) it is for merchandise or service actually delivered or performed at the same time you accepted and submitted the Card for processing (except for any delayed delivery or advance deposit transactions expressly authorized by this Merchant Agreement); (e) it is not the refinancing of an existing obligation of the Cardholder or arising from the dishonor of a personal check; (f) that you have no knowledge or notice that the transaction is improper, fraudulent or unauthorized; (g) that the transaction is between you and the Cardholder; and (h) the transaction is made in accordance with this Merchant Agreement, the Operating Procedures and Association Rules.