The cardholder paid for the same purchase through another payment method as well.
The customer paid by cash, another card, or another channel for the same order, in addition to this charge.
Reconcile across channels — if a genuine double-payment occurred, refund it directly.
Order and payment records showing only one valid payment was collected.
Refund the duplicate if one occurred, or submit proof only one payment was collected.
Not reconciling orders across payment channels before the dispute arises.
Reconcile orders across all payment channels to catch double-payments early.
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