You completed the payment in your local currency.
The checkout page showed KRW.
The receipt also displayed your local amount.
But later, something looked different.
Your card statement listed the transaction in a foreign currency.
Sometimes in USD.
Sometimes in another unfamiliar currency.
This does not always mean you were charged internationally.
Why the Payment Appears in a Foreign Currency
- The payment processor operates overseas
- The merchant is legally registered in another country
- App stores process transactions through foreign entities
- The gateway converts settlement currency internally
Even if you paid in KRW, backend settlement may occur in foreign currency.
How Currency Display Gets Converted
- Authorization may appear in USD first
- Final posting converts to KRW
- Exchange rates apply during settlement
- Card networks handle currency routing
This creates a mismatch between checkout currency and card display currency.
Does This Mean Extra Fees Were Charged?
- Not always
- Foreign transaction fees depend on card policy
- Some cards waive overseas processing fees
- Others apply FX or cross-border charges
Check your card’s foreign transaction policy to confirm.
When to Investigate Further
- If the charged amount differs significantly
- If duplicate currency conversions appear
- If you never used the service
Currency display differences often reflect processing structure — not billing errors.