Two debits and credits in my bank account

Hello,

1. The Cross-Border "Foreign Transaction" Quirk

Even though the charges show up in dollars, Microsoft billing entities (like msbill.info nv, where the "NV" often signifies a Netherlands-based entity) frequently process payments through international servers.

Many banks charge a Foreign Transaction Fee or a Cross-Border Assessment Fee (typically around 1% to 3%) for processing payments that cross international lines.

If your bank charges a flat fee or a percentage-based fee that amounted to $0.60, they might have bundled it into the initial visibility of the charge, or processed the refund minus that non-refundable bank fee.

2. Fluctuating Exchange Rates

If the transactions were originally processed in a foreign currency (like Euros) and converted to USD on your statement:

The Debit: Converted at the exchange rate of that specific minute or day.

The Credit: Converted at the exchange rate when the refund was processed. Because currency rates fluctuate constantly, the refund amount in USD rarely matches the original charge down to the penny.

3. A Temporary "Auth Hold" Adjustment

Sometimes, automated ad platforms (like Microsoft Ads) run a temporary authorization hold to verify a card. If an authorization hold is miscommunicated between the merchant and your bank, a tiny processing fee can sometimes stick to the account even after the main hold is released.

What You Should Do Next

To get the exact answer and ensure your account is secure, take these two quick steps:

Check your bank statement line items: Look closely at your online banking portal. Are there separate, tiny line items nearby listed as "International Service Assessment," "Cross-Border Fee," or "Exchange Fee"?

Call your bank's customer service: This is the fastest route. Ask them specifically: "I see a refund that is 60 cents short of the original charge. Was a foreign transaction fee or currency conversion fee applied to this?" Your bank can see the exact backend routing of the funds and tell you if they kept the 60 cents as a fee.

If your bank confirms they didn't charge a fee, you can then reach out to Microsoft Support with the transaction IDs, but 9 times out of 10, the bank's international processing terms are the culprit here!

Hi Kelly Priestley,

Thank you for using our Microsoft Advertising Learn Q&A Platform!

We appreciate you reaching out and providing the transaction details, and we understand that noticing multiple debits and credits with slight differences can be concerning. 

To better assist you with understanding the transaction difference and recent charges on your account, kindly respond to the private message I sent so we can proceed with further review and support.

Our support teams are pleased to engage in more in-depth discussions about your account through phone, chat, or email to offer review assistance, please see our support page to reach out! 

Kind regards,

Len | Microsoft Advertising Support Specialist | 800-518-5689 

I apologize, I was trying to send this to customer support - I didn't realize it is posted on a public forum.

Currency conversion or foreign transaction fee difference.