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The FX rate nobody locked between auth and capture

Ran into this on a cross-border order: card authorized in EUR, capture fires four days later once the item ships, settlement currency is USD.

  • EUR to USD exchange rate fluctuated 1.1% between authorization and capture
  • Card networks only guarantee authorization hold in cardholder's currency for 24-72 hours
  • Team manually compared FX rate at authorization with settlement report

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