Why is the pending transaction from the gas station higher than what the receipt says?

Visa and Mastercard's regulations for the industry mean that when buying fuel at the pump, a reservation must be made before refueling begins. The outstanding amount is a regulatory requirement from Visa and Mastercard that applies to all fuel companies in Sweden.

This means that the card-issuing bank makes a reservation of SEK 2 500 when you pay by card at the pump at a service station. If you have less than SEK 2 500 in your account, the issuing bank may choose to reserve the amount available on your card instead.

When you pay over the counter inside the gasstation, the reservation is made on the actual amount and not on a higher amount.

The reserved amount will be replaced by the actual amount within a few banking days.