Fees are only deducted when your campaign successfully reaches its funding goal. If you don't reach your goal, you pay nothing.
Stripe is traditional credit card processing with lower overall fees (~6%). DivinityCoin is a prepaid credit system where backers buy credits in advance, with slightly higher fees (~9%) but offers cross-platform purchasing power for backers.
For Stripe payments, funds are typically transferred within 14 business days. For DivinityCoin, settlements occur weekly or monthly based on your settings.