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The cardmember was charged twice for the same purchase.
A retry or double-submission processed the same order's payment more than once.
If genuinely duplicated, refund proactively rather than contesting; otherwise your order log is the defense.
Order/payment log showing only one legitimate charge was intended.
Confirm whether a duplicate occurred; refund it if so, or submit proof only one charge was valid.
No idempotency protection on checkout submission.
Add idempotency keys to checkout and payment-retry logic.
Flat monthly fee, keep 100% of what you win.
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