This can happen for a few common reasons:
- A previously declined payment was charged again.
- What looks like a duplicate charge may actually be a late payment and the next on-time payment appearing close together.
- Another Microsoft account using the same card may have made the purchase.
- If this was a pre-order, the order may have been charged when it shipped.
To verify what happened:
- Sign in and review the Microsoft account order history.
- Check for multiple purchases for the same amount that appear close together.
- If the duplicate charge does not appear in that order history, go to the Microsoft account Payment options or Manage your payments page and select Investigate to check whether another account is using the same card.
- Also review whether the charge was for a previously declined transaction being retried.
If the charge is not recognized after that, use Contact Support from Microsoft Support for billing help.
Do not use a chargeback first unless necessary. The chargeback guidance states that repeated misuse can be considered fraud.