(06 Jul 2021, 8:40 am)Ambassador wrote I'd imagine it's the same process as when you fill the car with petrol - they reserve a charge on your card (in the case of petrol higher than you spend) and it ringfences the funding and shows as pending on your account.
People only notice because most banks have an app that shows how much you've spent (or apple/google play) otherwise in ye olden days you'd never see the 10p charge and only the final amount
Why would they ringfence 10p and not the whole amount?
Petrol stations are ring-fencing £99 for potentially a £10 top up.