A consonant cluster is a sequence of multiple consonants without an intervening vowel, considered within the chosen phonological representation. Its possible position and composition depend on a language's phonotactics. The written number of consonant letters is insufficient to identify a spoken cluster.
In an ordinary pronunciation of “stay”,
[st] forms a syllable onset cluster; the final [ts] in “cats” forms a syllable coda cluster. By contrast, the English spelling ch can represent one affricate, transcribed [t͡ʃ], rather than two independently combined consonants. This comparison distinguishes spelling, phonetic detail and phonological grouping.[ref]Essentials of Linguistics (2nd edition) by Catherine Anderson and others. §3.4, affricates; §3.10, onset/coda clusters; §4.2, phonotactic restrictions
A recording and explicit transcription make the analysis inspectable; rapid articulation need not insert a silence between the cluster's members. New to topics? Read the docs here!