Card Authorization Amount vs Posted Charge — Why They Don’t Match

You paid.

Your card approved the transaction.

The authorization amount looked fine.

Then the posted charge shows a different number.

Sometimes it’s higher.

Sometimes it’s lower.

This usually isn’t a “double charge.”

It’s the difference between authorization and settlement.


Authorization vs Settlement (Simple Explanation)

  • Authorization = temporary hold to confirm funds
  • Settlement / Posted = final amount after processing

Many transactions change slightly when they move from “hold” to “final.”


Most Common Reasons the Amount Changes

  • Exchange rate timing (the rate can change between approval and posting)
  • Card network / issuer fees (foreign transaction or conversion fees)
  • Partial capture (merchant finalizes a different amount than the hold)
  • Tips or add-ons (restaurants, ride apps, hotels, deposits)
  • DCC (dynamic currency conversion can affect the final total)

The key point: the posted charge is the one that counts.


How to Check If It’s Normal

  • Wait until the charge is posted (not pending)
  • Compare the posted amount with the merchant receipt
  • Check if a foreign transaction fee line appears separately
  • Look for multiple partial captures instead of one final capture

If the authorization disappears and only one posted charge remains, it’s normal processing.


When You Should Contact Support

  • The posted amount is clearly wrong vs the receipt
  • Both the authorization and posted charge remain after 10 business days
  • Multiple posted charges appear for the same purchase

Most mismatches resolve automatically once settlement completes.