You paid in a foreign currency.
The price was shown in USD, EUR, or another currency.
The approval amount looked clear.
But when the card statement arrived, the KRW charge felt different.
The converted amount looked higher or unfamiliar.
This confusion usually comes from how foreign transactions are processed.
Why the Converted KRW Amount Looks Different
- Exchange rates change between authorization and settlement
- Card networks apply their own conversion rates
- Issuing banks may add processing margins
- Foreign transaction fees are added after conversion
The currency conversion does not happen at the purchase screen.
It happens later during settlement.
How the Final Charge Is Calculated
- Foreign currency amount is finalized
- Card network converts to KRW
- Bank applies its exchange rate
- Foreign transaction fee is added
This layered process changes the final KRW total.
Why Authorization and Billing Don’t Match
- Authorization uses estimated rates
- Settlement uses finalized rates
- Fees are not included at authorization stage
This is why the billed KRW amount can look different.
How to Verify the Accuracy
- Check the original foreign currency amount
- Review card network exchange rates
- Confirm foreign transaction fee percentage
- Compare authorization vs posted charge
Calculation differences do not mean overcharging occurred.