You completed a payment.
You saw the price before confirming.
But when the card bill arrives, the amount is higher.
This creates immediate concern.
It feels like an overcharge.
In most cases, the difference comes from currency conversion and processing factors — not duplicate billing.
Why the Charged Amount Can Be Higher
- Exchange rate applied at settlement differs from authorization rate
- Foreign transaction fees added by the card issuer
- International processing network fees
- Dynamic currency conversion adjustments
The price you see at checkout is often an estimated converted value.
Authorization vs Settlement Amount
- Authorization locks an estimated converted amount
- Settlement applies the final exchange rate
- The card network recalculates based on posting date
This timing gap can change the final billed total.
How to Verify the Difference
- Check the original transaction currency
- Review card foreign fee percentages
- Compare authorization and posted amounts
- Confirm exchange rate on settlement date
When to Contact Your Card Provider
- If the difference exceeds expected FX fees
- If duplicate transactions appear
- If settlement currency is incorrect
A higher billed amount usually reflects exchange mechanics — not an extra charge.