I am concerned about this.
It does not matter as long as you get it done before the deadline. (That is assuming that it is not rolling admissions. Rolling admissions work differently)
If the Common App or the online app gets tied up and you are late then yes. Otherwise no. It’s never a good idea to wait till the last moment.
I know someone who was admitted to a HYPS who applied at 11 on the deadline day. DOES NOT MATTER unless it glitches. Someone I know was doing MIT an hour before the deadline and it glitched and he lost everything and they ask you to input your grades by hand. He had his little sister reading them off to him 5 minutes before midnight.
Another thing, if you do too many charges that are similar your credit card can lock up. We did 12 charges and all went through. The next day I ran by the super market on my way to someplace else, all I had with me was the same credit card. No surprise it had been locked.