I see two charges on my bank statement after one purchase

If your bank statement shows what looks like two separate charges after a single 1smart.link purchase, you are almost certainly seeing an authorisation hold alongside the real charge — not a duplicate payment. This is a common banking behaviour, especially with Indian banks processing international USD transactions.

This article explains why it happens, how to confirm only one real charge was made, and what to do if the extra amount does not disappear on its own.

Authorisation hold vs actual charge

When you pay for a 1smart.link subscription, the payment processor (Stripe) initiates a single charge in USD. However, your issuing bank may create a second, temporary entry on your statement as part of its own security process. Here is how the two entries differ:

Entry type	What it is	Status on your statement	Will it be debited?
Actual charge	The real payment processed by Stripe in USD, converted to your local currency by your bank	Posted, Debited, or Settled	Yes — this is your subscription payment
Authorisation hold	A temporary hold placed by your bank as a security check before or during settlement	Pending, Hold, or Pre-authorisation	No — it reverses automatically

The authorisation hold is not initiated by 1smart.link. It is a risk-control measure performed entirely by your bank.

Why this is common with Indian banks on international USD payments

This pattern is especially frequent with Indian banks — including HDFC, ICICI, SBI, Axis, and others — when they process international payments billed in USD. The sequence works like this:

Your bank pre-authorises the amount in INR as a security check when the payment request arrives.
Stripe processes the actual charge in USD.
Your bank converts the USD charge to INR using its own exchange rate at the time of settlement.
Both entries appear on your statement: the pre-authorisation hold (in INR) and the final settled charge (in INR).

Because exchange rates fluctuate, the two amounts may not even match. For example, on a $699 purchase you might see one entry around ₹58,000–₹66,000 and another around ₹49,000–₹66,000. This does not mean you were charged twice — one is real and the other is a temporary hold.

The hold typically reverses and disappears from your statement within 5–7 business days. No action is needed from you in most cases.

How to verify only one real charge was made

If you want to confirm that 1smart.link only charged you once, check any of the following:

Check your Stripe receipt email. After every successful payment, Stripe sends a receipt to your registered email address. One receipt means one charge. If you received only one receipt, there was only one real transaction.
Check your 1smart.link dashboard. Log in at www.1smart.link, go to Account → Manage Billing, and review your subscription. One active subscription means one charge.
Contact support. Email support@1smart.link with your account email address. The team can confirm from Stripe records within seconds whether one or two charges were initiated.

The hold has not reversed after 7 days

If the pending or held amount has not disappeared from your statement after 5–7 business days, contact your bank's customer support. Use this phrasing — it tells the bank exactly what to look for:

Tip: Say to your bank: "I made an international USD payment to [merchant name] on [date]. I can see both a settlement debit and a separate pre-authorisation hold. Please confirm whether the pre-authorisation has been released, and if not, please release it."

Banks can release the hold immediately once they confirm the merchant has settled the real charge. This is a routine request and should be resolved in a single call.

When to contact 1smart.link support

Reach out to support@1smart.link in these situations:

Your bank says the second amount is a real charge, not a hold. Include the following in your email: your account email, your Stripe receipt number, a screenshot or PDF of your bank statement showing both amounts, and the bank's confirmation that the second amount is a final debit. The support team will pull Stripe records, confirm there is only one real charge on the platform's side, and provide a written confirmation you can share with your bank.
The hold has not reversed after 14 days, even after speaking to your bank. Support can provide a formal payment confirmation letter on company letterhead that your bank can use to release the hold from their records.

Your card was blocked after the payment

Some banks automatically block a card temporarily after a large international transaction as a fraud-prevention measure. If this happens, you will typically receive an SMS or app notification from your bank. This is independent of 1smart.link — the platform has no control over your bank's fraud filters.

To unblock your card:

Reply to your bank's fraud-alert SMS with the confirmation keyword (often YES or 1).
Open your bank's mobile app and look for a section like Verify transactions or Confirm recent activity, then approve the transaction.
Call your bank's customer support and confirm the transaction was genuine.

Once confirmed, the block is lifted and your card works normally again.

Important things to know

1smart.link never initiates duplicate charges. The Stripe charge is the only transaction initiated from the platform.
The platform does not charge an authorisation amount separately. Any hold you see is placed by your bank, not by the platform.
The 14-day money-back guarantee covers the actual purchase amount. Authorisation holds are not real charges, so they are not covered by the refund policy — they simply reverse on their own.

Note: If you are still unsure whether you were charged once or twice, the fastest way to confirm is to email support@1smart.link with your account email. The team can check Stripe records and reply within minutes during business hours.

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