Not ideal in all cases but that’s how they approach it. If there’s a big delay in the sim getting to you usually they’re good about issuing credits.

“Heads up! Your card will be charged as soon as your phone/SIM order is submitted online. Your billing will start when your order ships from our warehouse.”

https://www.koodomobile.com/en/help/ordering-online

Billing starts when your sim is shipped out

https://www.koodomobile.com/help/ordering-online

@ScottyM Just cancel it. Mind you, than you have to get the sim from a store and they charge you $50 for the activation.  From what I can tell their ordering online will always come with waiving the $50. your call. 

The civilized way of doing it would be to process the payment and activate the service the first time the SIM is installed and used. Even AT&T does that.