You checked your payment notification and saw one amount authorized. Later, your bank statement showed a different charge.
This difference often causes panic — but in most cases, it’s not a billing error.
Authorization and settlement are processed separately, which is why the final charged amount can change.
Why Authorized and Charged Amounts Can Differ
- Taxes or VAT added during settlement
- Currency conversion finalized after authorization
- Discounts applied or removed at final billing
- Partial refunds processed before settlement
Authorization vs Settlement — The Key Difference
- Authorization: Temporary hold placed by the bank
- Settlement: Final amount captured by the merchant
- Holds may expire or adjust before completion
- The settled charge reflects the actual processed cost
How to Verify the Correct Charge
- Compare invoice vs bank settlement record
- Check currency conversion rates
- Review applied taxes and regional fees
- Confirm final billed amount inside your account
When authorization and settlement amounts differ, the final settled charge is the official payment — not the initial hold.