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Why is there a small FX adjustment on my card transaction?

Updated this week

Card payments happen in two steps:

  1. Authorisation – At checkout, we reserve the amount using an estimated exchange rate.

  2. Settlement – The card network finalises the charge using the official settlement rate.

Because these rates can differ slightly due to timing and rounding, the final amount in USD may change a little.

This adjustment is not a fee and is standard behaviour for international card transactions.

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