I bought 2 items from the same website and got a Monzo notification straight away for the full cost (£29.97). The confirmation email says that my card will only be debited once the items are shipped.
Minutes later I got another Monzo notification for a £6.98 payment to the same website (Cost of one of the items) and got an email from the website saying that one of the items had been shipped and the other one was out of stock but would be shipped in the next few days.
From reading the 3 second sandwich post (https://monzo.com/blog/2015/12/02/3-second-sandwich/), I imagine the website has sent authorisation message for the full amount (£29.97) to ensure my card could cover the cost, but has no intention of having this included in the presentment files which Monzo will receive, which for other card companies it would mean the transaction is never actually performed. They will instead include each item as individual transactions. Unfortunately this means that I will be charged - even if only for a while - twice for these items. What is the deadline for transactions to be included in presentment files? At what point will Monzo realise that the initial transaction was just a check and therefore I will get refunded? Or will this transaction will forever remain “pending” until I inform Monzo?