Purchase issue.

Do not submit another payment manually; first have the bank confirm whether the July 26 transaction was fully settled, because Microsoft may retry a previously declined charge even though the game remains available on the Xbox.^1^

Determine whether this is a retry or a duplicate charge

Since the order history already shows Payment failed, focus on the bank’s transaction status:

1. Contact the card issuer and provide the July 26 transaction date, amount, and Microsoft merchant description.
2. Ask whether that transaction was:
   • Settled/posted and paid to Microsoft, or
   • Only authorized, then reversed, released, or declined.
3. Ask whether today’s $108.24 activity is:
   • A pending authorization,
   • A declined attempt, or
   • A second settled charge.

A transaction visible in banking activity is not necessarily a completed payment. Microsoft states that posted charges appear on the payment provider’s statement; in Microsoft order history, Completed or Redeemed indicates completion, while In progress has not yet posted.^2^

Microsoft also documents that it can keep retrying a payment it could not collect. Those retries can appear close together and may look like duplicate billing.^3^

If the July payment was settled

If the bank confirms that Microsoft received the July payment, but Microsoft’s order record says Payment failed, this requires account-specific reconciliation by Microsoft Billing Support:

1. Open Contact Microsoft Support.
2. Sign in with the Microsoft account that owns the game.
3. Enter charged for purchase but order shows payment failed.
4. Select Get Help, then Contact Support.
5. Provide:
   • The Microsoft order or confirmation number
   • The July confirmation email
   • The bank’s settled transaction date and amount
   • The last four card digits only
   • Details of the new $108.24 attempts

Microsoft’s public forums cannot inspect private payment records, so Billing Support must compare the order and payment records. Do not post full card numbers, bank statements, or account identifiers publicly.

If the new $108.24 attempt becomes a second settled charge, tell Support that it is a duplicate posted payment. Avoid initiating a bank dispute until Microsoft has reviewed it unless the bank identifies fraud, because a dispute can affect the associated purchase.

If the July transaction was reversed or never settled

The current activity is likely a retry of the unpaid order rather than a second charge. Microsoft lists “a previously declined charge was charged again” as a common explanation for unexpected billing.^1^

In that case, ask Billing Support to confirm:

• Whether the original order remains collectible
• Whether the current retry will complete that same order
• Why the Xbox entitlement still appears active
• Whether any action is required to prevent loss of access

The fact that the game currently appears owned does not, by itself, reconcile the failed payment record.

If the amount does not match the game

Use Microsoft account → Payment options → Investigate to identify the charge and check whether another Microsoft account or family member used the same card. Microsoft specifically recommends Investigate when a card charge is not found or recognized in the expected account.^4^

If neither Microsoft nor the bank can associate the attempt with your purchase, or if the card details may be compromised, ask the bank to block further unauthorized charges and replace the card.^1^

References

1. How to investigate a billing charge from Microsoft | Microsoft Support
2. View your Microsoft Store order history | Microsoft Support
3. I've been charged twice | Microsoft Support
4. I've been charged twice | Microsoft Support