Identify which conversion you are comparing
A crypto deposit converted into wallet funds and a merchant purchase in another currency are separate events. A cost on the deposit should not be mistaken for a new foreign-currency charge on the later purchase. Start with the merchant receipt and the corresponding card transaction.
Read a merchant conversion offer
Some checkouts offer to convert the bill into another currency before charging your card. Compare the final amount, the offered exchange rate and any stated markup with the alternative shown by the merchant. A familiar currency symbol does not establish that an offer is cheaper.
Keep the original price and the chosen payment currency. These let you review the conversion rather than guessing from the product-page price, which might exclude shipping, taxes or other charges.
Use the settled amount for reconciliation
An authorization holds funds while the merchant finishes processing. Its amount can differ from the completed charge. For example, a hold of 30 followed by a final charge of 28 is not necessarily two purchases: match the merchant, card and payment details before adding both to an expense total.
Use the completed card amount and the merchant's final receipt when calculating an effective exchange cost. Check the current Fee Structure for charges applicable to your selected card type; do not assume every product has the same merchant transaction fee.
Keep refunds with the original purchase
A refund belongs to the merchant payment it reverses. Match the refund to that purchase rather than treating it as a new crypto deposit. Currency differences can mean that the refund amount is not numerically identical to an earlier estimate.
Follow the foreign-currency checkout checklist or read about authorizations and settlement.
Frequently asked questions
Which amount should I use for an expense record?
Use the completed card charge and the final merchant receipt, keeping their currencies clear.