Merchant charged twice but only one payment appears
Separate a pending authorisation from a settled duplicate charge by checking both the available balance and posted transactions.
What to do next
- Separate a pending authorisation from a settled duplicate charge by checking both the available balance and posted transactions.
- Ask the merchant to confirm whether two payments were captured and request reversal of any duplicate.
- If both settle and the merchant cannot resolve it, contact the bank's dispute team with both transaction IDs.
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Bank card dispute service
Start with the responsible provider or public information service. It can address the specific account, booking, consumer-rights or technical issue rather than recommending an unrelated purchase.
Open Bank card dispute service — official websiteWhat to check before deciding
Ask the merchant to confirm whether two payments were captured and request reversal of any duplicate. If both settle and the merchant cannot resolve it, contact the bank's dispute team with both transaction IDs.
Frequently asked questions
What details should I verify about merchant charged twice but only one payment appears?
Separate a pending authorisation from a settled duplicate charge by checking both the available balance and posted transactions.
What should I do next if the issue with merchant charged twice but only one payment appears remains?
Ask the merchant to confirm whether two payments were captured and request reversal of any duplicate.
What should I do next if the issue with merchant charged twice but only one payment appears remains (part 3)?
If both settle and the merchant cannot resolve it, contact the bank's dispute team with both transaction IDs.
Which details are most important for merchant charged twice but only one payment appears?
Authorisation holds and settled duplicate charges require different responses. Check ledger and pending status first.