Why is my transaction reported differently in Microsoft Wallet?

If you make a Microsoft Wallet purchase with your card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment.  The initial authorized amount appears in your Microsoft Wallet transaction history, but the actual transaction amount is deducted from your account.

  • This happens frequently in places where:
  • You can add a tip (restaurants, salons)
  • There can be a significant difference between the amount that’s authorized initially and the actual transaction amount (hotels, car rental agencies)

For most card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction

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