You completed a payment.
The price looked clear at checkout.
But when you checked your bank or card statement, the amount was different.
Higher or sometimes slightly lower.
This situation often confuses users, especially in cross-border or digital payments.
Why the Withdrawal Amount May Differ
- Foreign exchange rate applied after authorization
- Bank or card network conversion fees
- International transaction service charges
- Temporary authorization vs final settlement amount
The payment you see at checkout is often an estimated or pre-conversion amount.
Authorization vs Settlement Explained
- Authorization locks an estimated amount
- Settlement finalizes the converted charge
- Exchange rates may change between those steps
This timing difference creates visible discrepancies.
When the Difference Is Normal
- Foreign currency purchases
- App store or subscription billing
- International digital services
Small differences are expected in these cases.
When to Investigate Further
- If the amount difference is unusually large
- If duplicate withdrawals appear
- If settlement exceeds disclosed fee ranges
Most discrepancies come from currency conversion and settlement timing.