Does anyone know how pending transactions get dealt with on exported statements, where either the amount changes from the auth’d amount (like pay-at-pump), or where the auth expires (like card checks)?
For example, let’s say I have £100. I add my debit card to my Amazon account on 31st January, and a £1 pre-auth comes off. The end balance on my January statement is £99 (albeit with the £1 transaction showing as pending).
A week later, the £1 pre-auth drops off, and my balance shows as £100 again. The starting balance on my February statement now shows as £100, because the £1 charge is as if it never existed, and therefore the statement balances aren’t concurrent.
Is this how it works? Or does the £1 charge stand, and then a second transaction is added later to say “Reversal of pending transaction” or something similar?