The transaction just happened is unrecorded (authorized) and will only be settled after the merchant asks the bank for the account. As for the account settlement currency you mentioned, it means that if the currency channel when you swipe your card is UnionPay, it will be settled in RMB after posting (bookkeeping date), and if the channel when you swipe your card is JCB, the settlement currency after posting is Japanese yen.

The final actual debt should be based on the bill. Or you can call customer service in advance to inquire about the payment and settlement currency of unbilled transactions.

The frequency of foreign merchants asking for money is about one week, and the longest is 32 days. It usually takes only two to three days in China. It depends on the financial situation of the business.